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

Created account with Chime and transferred just over {$230.00} into the account. 

Logged out of app but could not log back in. 

Accessing Chime by phone app, tablet, and laptop results in infinite loop - I enter required information, complete captcha verification, and receive error code.

Calls to 800 number are unproductive as the number leads to an answering machine that refers me to the app / email. 

Emails are unproductive because they recommend steps and advise to send screenshots if problem persists. I follow steps, and receive same error message, which refers me to email support. I contact email support, they make recommendations again, and advise to send screenshots if problem persists. I follow steps, and receive same error message, which refers me to email support. I contact email support, they make recommendations again, and advise to send screenshots if problem persists. I follow steps, and receive same error message, which refers me to email support. Another infinite loop.
Product: Credit card or prepaid card

Synchrony Bank ( SYNC ) lowered my credit limit on two accounts. One account was lowered from {$2500.00} to {$1200.00}. Another account credit limit was lowered from {$1000.00} to {$500.00}. I had paid off both cards, and there is no reason for them to lower my limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My information has been stolen and used to open a fraudulent loan with XXXX XXXX XXXX on XX/XX/2022 for the amount of XXXX dollars. The branch that was used to open the fraudulent account is located at XXXX XXXX XXXX # XXXX, XXXX, TX XXXX. They can also be reached at XXXX. Ive tried disputing with the credit bureau over four times and each time they reported as accurate information with out reaching out to the bank. The bank will not dispute my case until Credit Bureau reaches out to them or the police go to the them with my case. The police report ive made to resolve this is still pending and told that it can take up tp 90 days to be assigned someone to my case. This is absurd.
Product: Checking or savings account

I'm also a Citibank account holder of XXXX years standing. I have a current and savings account with the bank. Both accounts have been frozen for XXXX weeks and counting, and I'm unable to access any of them because a check I cashed for a returned security deposit was wrongly deemed fraudulent. 

I'm currently traveling overseas, and I will save you the trouble of spelling out how not having access to my bank accounts for over a week has caused tremendous difficulties, the fees I will be charged as a result, and the distress from receiving an email saying that my accounts are closing. 

I've been unable to speak to anyone in Citibank customer service who has agreed to put me through to a manager, and I've spent countless hours on the phone, unable to ascertain what happened and how I can resolve the issue. I still do not know what happened or why I can not access my accounts. 

Last week, I asked a friend in New York to walk into XXXX of the Citibank XXXX branches and ask for a manager so I could speak to someone on the phone who could help me. The branch manager was able to verify the check and has now put in the request to overturn the block and close my accounts. He told me I must wait two days to see if it works. 

In the meantime, I wrote to the XXXX of XXXX. XXXX Banking. The exec response team called me and explained that my account had been unfrozen but that I wouldn't be able to access them until I received a physical replacement debit card, which after hours of phone calls, was mailed to me. Today, I tried four times to activate the card online, and it didn't work. I have tried to call back the exec responsive team and am now awaiting a callback.

Please help me resolve this. I haven't been able to access my bank accounts for two weeks now, and I'm now facing major financial hardship as a result.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report the other day and was thrown into a XXXX XXXXXXXX when saw the number of inaccuracies being reported on my credit. These errors are affecting my life far too much all because the baseless and unauthenticated items and information that is being reported on my credit report without any proof. I need this information investigated and these errors corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. XXXX   XXXX {$5400.00} DPT ED/XXXX XXXX {$1300.00} DPT ED/XXXX XXXX {$5400.00} DPT ED XXXX XXXX {$2800.00} DPT ED/XXXX XXXX {$800.00} DPT ED/XXXX XXXX XXXX XXXXDPT ED/XXXX   XXXX {$2300.00} DPT ED/XXXX XXXX {$2000.00} DPT ED XXXX XXXX {$4500.00}
Product: Mortgage

Bank of America is reporting, or rather holding to what Countrywide previously reported, that I was XXXX days late on paying my mortgage on XXXX different occasions. I have disputed them with the XXXX different credit reporting agencies but BofA, I feel does n't do a proper investigation into the matter and will not take the negative claims off of my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed, several times, via XXXX XXXX and Ceritified mail, that certain entries on my reports with XXXX, Transunion and XXXX were wrong and demanded that they be removed. Neither company has resolved the issue. I also have accounts that do not belong to me still listed on my reports. Some info is as follows : XXXX XXXX XXXX  - Date Opened and Account Amount XXXX XXXX XXXX  - Date Opened and Account Amount XXXX  - Account closed and still reporting active payment history. 7 years since first reported. 
XXXX XXXX - Account doesnt belong to me Accounts without creditor information XXXX  XXXX - Account listing erroneous late payment Transunion XXXX XXXX  - Date Opened and Account Amount XXXX XXXX XXXX Account doesnt belong to me
Product: Student loan

Nelnet is my federal student loan holder. I contacted them in the fall of 2020 for info on the pause of student loan payments and interest. They gaslight me and keep telling me my loans aren't federal. I've had to pay on my loans without any pause. I can prove they are Federal loans. They continued to insist they aren't federal. I have been on XXXX. for almost 9 years solid. XXXX. is only available to federal loans. I feel that if I have consequences of missing payments ( which I have not ) they should have consequences of lying to me and forcing me to make payments.
Product: Credit reporting or other personal consumer reports

In XX/XX/2022, I applied for an Apple Card Credit Card with Goldman Sachs. 

Once approved, I linked my account with another persons account. Doing this, created an ongoing issue. Ive never been to use the account. The other account holder is the only one who was able to use the account. 

Despite numerous calls to both Apple and Goldman Sachs over 13 months, the issue remains unresolved. I couldnt use the card, add it to my phone via the app, and theres an inaccurate duplicate account report to credit bureaus affecting my credit score. Ive filed several disputes with all three credit bureaus, asserting the inaccuracy of the reported duplicate account. However, their investigations consistently claim the information is accurate, despite the evident error. 

This has resulted in a significant impact on my credit score, and neither Apple nor Goldman Sachs has attempted to resolve the problem in over a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

To TRANSUNION ; " You are fully aware of the dates and reports that " you '' are reporting that I listed in my statement. I was clear about the reason as well. I will not repeat myself. I will not do your job for you, you are required to make sure your report is 100 percent accurate! I am not contracted with you, I did not give you any consent, written or verbal. You are in violation of the FTC, my UCC Financing statements, the lien I placed on my XXXX  in The XXXX XXXX XXXX in the legal section that is Authenticated by the NC Secretary of State, copyright infringement, Infring on a private trust, identity theft, securities fraud, extortion, conspiracy, defamation of character, Civil and American Constitutional rights violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of the XXXX  data breach so in XXXX I submitted a complaint to the credit bureaus asking for the inaccurate items to be removed. I understand that Covid is going on so I tried to be patient. Then in XXXX I sent another letter XXXX this time certified mail ) asking again for them to remove the items and again I got no response. This is beyond ridiculous and I believe they're trying to take advantage of me and hinder my ability to get new credit. Please send them as many fines as possible until they remove those items from my report because it's been well over 30 days which is way more than enough time for them to remove them.
Product: Debt collection

I had a XXXX phone number, XXXX, which I used until XX/XX/XXXX when I traveled overseas. I returned to XXXX XXXX XXXX XXXXXX/XX/XXXX and promptly paid all my XXXX  bills until XX/XX/XXXX. In XX/XX/XXXX, I contacted XXXX customer service to deactivate my phone number, XXXX. 

To my surprise, upon my return from overseas, I discovered that XXXX had continued to charge me for an additional months, even after I had deactivated my service. Furthermore, they reported this unpaid amount to credit agencies without providing me with any prior notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

My new credit report pulled on XX/XX/2017 is reporting a XXXX XXXX paid collection that was deleted and now it has been added back on to my file with Equifax. The CRA did not provide me notice of their reinsertion, then the reinsertion was a violation of section 611 ( a ) ( XXXX ) ( B ).
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts listed on my credit profile that do not belong to me. Please remove them.
Product: Debt collection

Two of my family members approached me that they were being harassed by midland debt collection. I have also been consistent called and asked for them to quit calling so much. It was to the point where they would call me and my family members 3-6 times a day.
Product: Debt collection

ON XX/XX/XXXXXXXX UNITED REVENUE CORP WAS SENT A CERTIFIED DISPUTE LETTER ( TRACKING # XXXX THROUGH THE USPS ), IN WHICH THEY RECEIVED ON XX/XX/XXXX. THE LETTER REQUESTED VALIDATION IN REGARDS TO AN ALLEGED MEDICAL DEBT ORIGINALLY OWED BY XXXX  XXXX XXXX  IN THE AMOUNT OF {$980.00}. UNITED REVENUE CORP HAS ILLEGALLY SUBMITTED A FALSE DEBT TO THE CREDIT REPORTING AGENCIES WITHOUT NOTFYING ME OF THE ALLEGED DEBT IN WRITING FIRST. AS OF XX/XX/XXXXXXXX  UNITED REVENUE CORP HAS FAILED TO RESPOND TO MULTIPLE DISPUTE LETTERS. THEY HAVE FAILED TO PROVIDE LEGAL PROOF, SUCH AS A CONTRACT OR PROMISSORY NOTE BEARING MY SIGNATURE THAT HOLDS ME LEGALLY RESPONSIBLE FOR THIS DEBT.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX XX/XX/2020 ) ( XXXX XXXX XXXX XX/XX/2020 ) ( XXXX XXXX  XXXX. 
XX/XX/2020 ) ( XXXX XXXX XXXX XX/XX/2020 ) ( XXXX XXXX  XX/XX/2020 ) ( XXXX XXXX XXXX XX/XX/2020 ) ( XXXX XX/XX/2020 ) ( XXXX  XX/XX/2020 ) ( XXXX  XX/XX/2020 ) ( XXXX XXXX XX/XX/2020 ) ( XXXX/XXXX  XX/XX/2020 ) ( XXXX XXXX  XXXX XX/XX/2020 ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section XXXX.
Product: Checking or savings account

I went to the Bank of America on XXXX and XXXX XXXX on XX/XX/XXXX to withdrawal funds for bills. The next day I noticed my withdrawal was different from others with a weird XXXX ID and number. I also noticed that same day, XX/XX/XXXX that a withdrawal of {$480.00} came out of my account and that there was a transaction represented by {$0.00} which was a balance check which I never do because I have the app to verify my funds. I thought it was strange and maybe I transferred some funds or something, did think to much of it at the time. Then a week later, I noticed another transaction while we were getting the kids ready for their online classes, that another transaction a withdrawal for {$780.00} was taken out following the same trend of balance review and then withdrawal. So on two occasions unauthorized withdrawals were taken from my checking account. On XX/XX/XXXX for {$480.00} and again on XX/XX/XXXX for {$780.00}. Each withdrawal was preceded by a balance review before being taken out of my checking account. When I first contacted the Bank of America fraud department it seemed like they understood I was a victim of fraudulent or suspicious activity. They lady helping me checked the locations of the withdrawals and they were in XXXX and XXXX, XXXX XXXX. I live in XXXX XXXX, CA which is 30 or more miles away and rarely live the house due to COVID-19. She placed my claim. I received a letter with a broad explanation that my claim was canceled. I called the fraud department back, and mentioned this. The lady that helped me the second time said I was being viewed as lying about my claim and that they were not paying me back my funds. Then proceeded to tell me they are to busy to verify claims if they dont sound reasonable enough. I explained to her there is no way I pulled that money. I havent been to XXXX  in years and my bank is less then 1 mile from my home. I have witnesses and class room XXXX  videos that place me at home during these withdrawals! I am on the verge of filing a police report against the bank, this will possible encourage them to check their cameras. I shouldnt have to go through this just because they are over whelmed with fraudulent activity! They are a national bank, they should have the proper systems in place to help and secure their users funds! I have witnesses and class room XXXX  videos that place me at home during these withdrawals!
Product: Debt collection

I was renting a one-bedroom apartment from the XXXX at XXXX and XXXX XXXX  XXXX XX/XX/XXXX to XX/XX/XXXX. As I did not plan to resign from my apartment I notified the office of my intent to vacate after my lease. I filled out the required forms in XX/XX/XXXX. This was well in advance of the 60-day notice they require. I officially moved out on XX/XX/XXXX after paying every month on time. Roughly two months after moving out XXXX got in contact with me stating I owe them for XX/XX/XXXX - XX/XX/XXXX. This is completely inaccurate as you can see from the attached lease. The office is very unorganized and they had a significant turnover in management while I was there the notice forms submitted must have been lost or not communicated to the parent company XXXX. 

Recently the Collection agency " COLUMBIA DEBT RECOVERY LLC DBA GENESIS '' has been in contact with me regarding the balance that I owe which is {$2700.00}. This inaccurate debt collection has recently penalized my credit score bringing it down from XXXX to XXXX. I have attempted to work with Genesis on resolving this issue but they are reluctant to agree to a compromise. 

This owed amount is inaccurate and I am reporting it as it is damaging my credit report. I am reporting this to help resolve the issue on my end and report this corporate fraud taking place within the organization.
Product: Credit card

I ordered a service from XXXX XXXX on XX/XX/. The price that it showed was XXXX XXXX, which is approximately XXXX USD. However, they actually billed me XXXX USD, which is way much higher then. Therefore, I would like to dispute the difference because of exchange rate error, which is XXXX USD. 

I managed to contact the merchant, however they refused to admit they have a pricing error or currency error, and they insist that I used USD as currency of purchase, which is not the case. From the screenshot that I attached, I clearly used ARS as currency of purchase. Therefore, I would like to make that dispute.

I also managed to dispute with the credit card company, Discover Bank. I submitted a dispute on XX/XX/XXXX XXXX They rejected my dispute on XX/XX/, and mentioned they will send the information given by the merchant to me. However, they never send that information to me. Therefore, I would like to continue to dispute the difference because of exchange rate error, which is XXXX USD.
Product: Money transfer, virtual currency, or money service

Item : XXXX Proof ofXX/XX/XXXXcommunication is attached. 

Mercari charged {$130.00} for overweight shipment. 

XX/XX/XXXXcharge was actually {$48.00} for 17lbs. 

Mercari fraudulently came up with its own formula to defraud customers and charge dimentional weight, which XXXX did not charge. 

Since they fustrated me and I kept insisting that they read the evidence and refund me, they closed my account. 

The company owed me {$86.00}. 

Since the last complaint, they returned {$31.00} but still fail to provide actual invoice with actual cost because they are wrong. I provided email correspondence with XX/XX/XXXX ground. 

They still owe me {$54.00}. Their last response was unsatisfactory and lacks acknowlegement of wrong doing.
Product: Credit card or prepaid card

Credit card interest rate is currently 24.99 %. This is on a BJs Perks Mastercard issued by Comenity. 

Annual interest rate is excessive. Called the company on XXXX and asked them to lower the rate. I am an XXXX year old retiree on a fixed income and am having difficultly paying the excess interest every month. The company would not lower the interest rate even after describing my circumstances. 24.99 % should be illegal. Where I grew up in New York that would be considered loan shark rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion, XXXX heretofore ( XXXX ) has stolen my identity and According to the Fair Credit Reporting Act ( 15 USC 1681 ) and the Gramm-Leach-Bliley Act ( 15 USC 6802 ), ( XXXX  ) is required to adopt reasonable procedures to ensure that the information on my consumer report is accurate, fair, and equitable. However, I have recently discovered that ( XXXX  ) has used my identification document ( Social Security Number ) to produce unverified and inaccurate information on my consumer report for profit, without my permission or authority, in violation of 15 USC 1681 ( c ) ( 2 ) .Furthermore, ( XXXX  ) has been violating my privacy by reporting fraudulent information without my consent or permission, in violation of 15 USC 1681b ( c ). According to the Fair Debt Collection Practices Act ( 15 USC 1692a ( 4 ) ), I am the creditor and can not be in debt to a debtor. Furthermore, according to the National Bank Act ( 12 USC 83 ) and the Federal Reserve Act ( 12 USC 1431 ), banks can not loan its own money or credit. Therefore, the false information that is being reported by ( XXXX ) from banks and alleged creditors on my consumer report is not true and lawfully correct. ( XXXX ) does not have a signed SSA 89 form, on fie to use my social security number or report my private information, in violation of 15 USC 1681b. As a result of ( XXXX ) fraudulent and inaccurate reporting practices, I have suffered severe stress and anxiety.
Product: Checking or savings account

My account was basically closed due to overdraft fees that were applied
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible! 

The accounts I am talking about are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Credit Bureau has failed to provide the services : 1. appropriate investigation services within 30 days 2. dispute filing through my paid membership, online, over the phone and Mail which has never been received from XXXX  3 . XXXX  has provided multiple false/scam/fraudulent contact call centers, credit reporting Representatives, telephone numbers that has resulted in continued identity theft attempts 4. This is-not the same complaint.

5. The last time I contacted XXXX  : my email : XXXX ; XXXX was hacked 6. Documented evidence will support when agencies are investigating XXXX  the dispute center is unblocked ; then 5 days later XXXX  reports month after month XXXX  is continuously working on the dispute center. 
7. To date Documented evidence supports my credit rating continues to demonstrate horrendous declines although my credit reporting status does-not represent or align with these horrendous declines dated XX/XX/2021. In addition, the blocked dispute center will substantiate XXXX  has not provided no online services it contracts to provide : Entrusting in God, equal rights, protection under the law and justice I request a thorough investigation be immediately be conducted into XXXX  Actions : See the two updated attachments :
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit and noticed a numerous amount of credit inquiries that I did not authorize. I have credit already with the consumers and noticed some of them did multiple inquiries back to back monthly without my consent. I have not recieved no extra cards or services. There was fraudelent charges but my cards were replaced thats all. I never authorized those inquiries from experian and XXXX. 
Experian ( XXXX  inquiries ) XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX ( XXXX inquires ) XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX I called the credit bureaus to dispute these inquiries but they told me to contact the CFPB first. I would like these removed from my credit as I gave no authorization nor consent to the those inquiries