23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Chase bank is kind of forcing a debt on my business account by charging {$15.00} service charge on a {$0.00} balance, when i try to close the account.The {$11.00} owed should be removed from my credit report. 
I also tried to dispute through XXXX credit bureau but the system would not allow me. 
what kind of a scheme is this?
Product: Student loan

i have contacted sallie mae multiple times to see if there was an option to lower my monthly payment without having to miss one or declare bankruptcy, as my mom is the co signer. i am met with a similar answer every time about having to miss payment to have the collectors contact me with a different solution. they are vague as to what this would entail and i am not trying to get money taken out of my paycheck and i don't my mother to take on more things to pay for. the vast majority of my paycheck goes towards my loans which lives very little money to spend on necessities like gas and such. my two loans have astronomical interest rates one standing at about 13 percent and the under around 11. it is virtually impossible it seems to get a concrete answer out of the company as to what would happen or what is an option i can proceed with.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax report has gone unchanged for at least two years ( I  had not regularly checked it prior to this ) although the other two credit agencies show multiple changes over the same time frame. Equifax does not reflect current accounts and shows a lien of {$2600.00} that is not mine. It looks like the lien is a California court case filed in XXXX but I did not reside or work there for several years prior to this and know nothing more about this account. When it pulls up my account it does not show my current name but a name I have not had in 22 years. I attempted to dispute the information online but every verification question is incorrect - none of them apply to me. It also shows that I lived in XXXX California which I have not ever lived there. It references names that are not mine as well. I spoke with an Equifax customer service representative and, as per request, faxed copies of my drivers license and social security card and a detailed letter with all specifics listed on XXXX XXXX, XXXX. Equifax added a couple of new accounts since then but none of the incorrect information was removed as of XXXX XXXX, XXXX. Wrong open accounts, wrong court lien, wrong personal information and address history - I need this rectified.
Product: Payday loan, title loan, or personal loan

I was a victim of identifying theft, but also blatantly dismissed of just simply trying to solve this matter. This account is a line of credit and credit card that was credited under my name through Citi Bank. The account number is XXXX with Citi bank. I Originally in XX/XX/XXXX, when I first found out about this account, was when Citi Bank started to get Levy my account, I called Citi Bank and spoke to XXXX XXXX, a spokes person. She told me that I would not be Levy anymore since they could not find him in the system when he provided his social security number. The only information I got was that the loan started from XX/XX/XXXX, and the payment stopped in XX/XX/XXXX, then the lawsuit started XX/XX/XXXX. 

After this conversation, They still continued to Levy my account. I went to 3 different branches total to see who opened this account, and find proof that I was not the one who opened this line of credit and credit card. 

On XX/XX/XXXX, I went to the branch on XXXX XXXX in XXXX XXXX and then XXXX XXXX in XXXX XXXX, since no one at the XXXX  location could help me. One of the employee at the XXXX XXXX location told me that there was no ID in the system to show who was the one who signed for this loan. So, they directed me to go to the XXXX XXXX location, since that was the location the loan originally was created. 

On XX/XX/XXXX, I went to the branch location on XXXX XXXX. I spoke with XXXX XXXX, and she said there was no record and would investigate further with a case number ; XXXX. Other then this brief conversation, she was no further help. She promised to call me back, but never did. 

While I waited for this investigation from citi bank to come to some conclusion, there was a judgement on this account, and my personal bank account was being levyed close to {$4000.00}. 

The case number on this judgement is XXXX. 

No one from any branches, and the company itself, when I called, can not show me any proof of who opened this account. Either they would transfer me to another department or location, and not give me this simple request of proof. 

Also, this account is NOT in my credit report! Additionally, I was never served any paperwork. 

Please listen to all recordings and follow up on my cases since I was not only properly served this judgement, but I was also a victim of identity theft. They do not have my social security in file, nor show me any proof of me optaining this loan! I do not speak the language very well, and I personally feel they are taking advantage of me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the EQUIFAX data breach, my personal/identity information has been leaked. I, the consumer NEVER gave EQUIFAX my written consent to use, sell, report or hold any of my personal/identifying information to begin with. EQUIFAX has committed " identity theft ''. I am aware the term " identity theft ' as described XXXX15 U.S.Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority. I did not give EQUIFAX consent to use, hold, report or profit off of my information, but that's exactly what they've been doing, which has now led to my information being leaked on the dark web after the data breach. Ive submitted my claim for a potential {$20000.00} payout for my losses. Even though my losses were upward of {$200000.00} due to the inaccurate, unverified, unauthorized information they have on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX 's computer system committed an error and cancelled the already established automatic payment to this vehicle account ; triggering two late payments one year apart. 

ever since the inception of the loan XXXX has failed to establish the automatic payment appropriately, making it an unreliable method to assure consistent and accurate payment to my auto loan. 

after i spoke to XXXX 's representatives at XXXX i was told that XXXX for some reason expired the established payment method after every 12 months thus causing the damage. they said they would fix the reporting and that has not happened. most recently the month of XX/XX/XXXX has not elapsed and am already again being reported late even after the payments have been made on time. proof attached.

consequently, my credit reflects two late payments caused by XXXX XXXX 's error to maintain a reliable and accurate automatic payment method.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I filed a complaint in Experian website about my credit report. In their report they were duplicating my student loan balances that has been transferred from XXXX XXXX to XXXX  XXXX. Basically they showed as I had double the amount of student loans : the original balances with XXXX XXXX before the transfer appeared as open with the original balances instead of {$0.00} balance and that they had been closed and transferred. 

On XX/XX/2022 I received a notice stating that the report will stay as it was reported, thus keeping the error. I tried to upload the letter or statement from XXXX XXXX showing that all my student loans had been transferred and the balances was {$0.00} and thus the accounts closed. I could not. I called Experian telephone number suggested in the website to resolve the problem that afternoon and I talked to a representative called XXXX. He said that Experian has contacted XXXX XXXX and told them that I still had those balances and accounts, which is not truth and suggested me to call XXXX XXXX instead of correcting their errors. Afterwords I tried again to upload the letter/statement from XXXX XXXX showing that all my student loans had been transferred and had {$0.00} balances but I was unable to do so. Instead Experian seemed to want to sell me membership and services that I don't want or need.
Product: Checking or savings account

On Sunday, XX/XX/XXXX Wells Fargo made a fraudulent withdrawal of {$4000.00} from my checking account. Apparently someone hacked into their system. I called on Monday, XX/XX/XXXX and they told me to close the account and they filed a fraud claim. They also assured me the money would be returned. They also told me to file a police report. I did both, closed the account and filed a police report. I called again on Thursday XXXX, XXXX they told me they identified the thief, and assured me the money would be returned within 24-48 hours. This did not happen. I called again on Wednesday, XX/XX/XXXX and was told that funds would be returned in 24-48 hours. No returns made. I called again today, Monday, XX/XX/XXXX and was told that they couldn't guarantee when the funds would be returned. 

I greatly appreciate in advance anything you can do to expedite Wells Fargo returning my money as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCB/MILLSFLEETFARM is reporting incorrectly to XXXX ; XXXX  and XXXX a charge off of a credit card account number XXXX. This credit card was used fraudulently to purchase goods. ( Please see page 11 of the attached credit report. ) I have also attached copies of the XXXX Police Department report dated XX/XX/2019 along with my signed Affidavit of Fraud. This debt is not mine and this incorrect reporting is harming my credit score. I have contacted the three bureaus to remove this item from my credit report, however I have not been successful.
Product: Vehicle loan or lease

By mistake I had paid XXXX XXXX XXXX one whole year double payments of {$7300.00}. Once I had realize called XXXX XX/XX/year> to returned my money and they investigated about over payments and told me you will get a check of {$7300.00} in XXXX  days. Still today I did not receive my money. 

It is been almost XXXX XXXX XXXX  month passed still no check. XXXX XXXX has the worse costumer service.
Product: Credit card

My account was hacked into and the company chime had allow the person to drain my account was not notified of this until I logged in that my account was negative balance a bunch of unauthorized transactions ATM withdrawals a longer transfers to a different bank account was allowed and a count with link to my account without my permission and the company allowed it and the agents were no help when I notified them of the issue they did nothing of it in my account continued to get drained.
Product: Debt collection

There is information that is on my consumer report that a result of identity theft. I did not provide written permission or instruction for the identified items to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transaction by me as the consumer. 

XXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the day of this notice. I look forward to your response. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed that a debt recovery solution collection was added to my credit. This is NOT my collection and should not be on there at all!
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The accounts are - XXXX XXXX opened on XX/XX/XXXX Amount : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX Amount : XXXX - XXXX XXXX XXXX opened on XX/XX/XXXX Amount : XXXX I've reached out to the companies and haven't received any type of feedback.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, DC XXXX Subject : Complaint Against TransUnion for Failure to Update Rental Payment Information Dear CFPB, I am writing to formally lodge a complaint against TransUnion regarding their refusal to assist in correcting and updating my rental payment information for the months of XXXX and XXXX, as reflected on my rent ledger provided by XXXX. 

Despite my repeated efforts to resolve this matter directly with TransUnion, they have willfully failed to comply with the requirements set forth under the Fair Credit Reporting Act ( 15 USC 1681n ). This violation of my consumer rights is causing significant distress and potential harm to my credit standing.

Under 15 USC 1681n, any consumer reporting agency that willfully fails to comply with the requirements 
of this subchapter is liable for damages, which may include {$1000.00} per violation, actual damages sustained, punitive damages as the court may allow, and costs of action including reasonable attorney fees for any successful action to enforce this liability. 

I am prepared to pursue legal action against TransUnion for these violations and seek the appropriate damages. I kindly request that your office investigate this matter and provide assistance in ensuring that my rights as a consumer are upheld. 

Thank you for your attention to this serious issue. I look forward to your prompt response. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am writing to inform you that I am a victim of a data breach or fraudulent accounts, as per the provisions outlined in FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ). This letter serves as a formal request for the permanent removal of fraudulent information resulting from unauthorized accounts appearing on my credit report. 
1. Reported without valid evidence XXXX XXXX XXXXXXXX Account Number : XXXX Please delete from my credit report immediately 2. Reported without valid evidence XXXX Account Number XXXX XXXX Please delete from my credit report immediately I have reported this incident to the Federal Trade Commission and have attached a copy of the filed complaint to this letter. 

These fraudulent information should be deleted from my credit report in the next 5 days. Please see the attached file.
Product: Debt collection

Been dealing with this debt collection company since XXXX or XXXX I believe non stop threats and constant harassment name of the company is the GRANT & WEBER inc
Product: Debt collection

Keith D. Weiner & Associates Co. L.P.A. has been trying to collect an auto loan debt that was resolved in my divorce in XXXX. The truck was voluntarily given back and the lender sold it and sent the company above to collect what was supposed to be the remaing price of {$10000.00}. I am not supposed to be held liable for the debt and I also sent my divorce decree providing a legal document letting them know that. In XXXX, I received a lot calls and mailing saying that I was responsible for the debt and I continued to respond letting them know that I am not responsible for the debt. In XXXX, when I was XXXX  with my son I started to receive threatening letters from Keith D Weiner & Associates Co. stating that they filed a real estate judgment against me and any property that I own the lien will encumber my residence to fulfill what is owed. Which, now at this point the debt total has jumped to {$16000.00}. So, I filed a motion in XXXX XXXX XXXX pertaining to this marital debt and the XXXX called their office with me and my ex-husband present to see how we could get this debt collector from off me and to allow my ex-husband to resolve his marital debt and set up a payment plan to start making payments. They said I had to give my ex-husband authorization to them to allow him to make payments on the marital debt. Which, I did and my ex-husband still was not allowed to setup arrangements to try to dissolve this marital debt. The debt collector above is still reporting negatively to my credit and also with the stated threats of filing a real estate judgment lien against me will stop me from selling my home since my family has out grown it and looking to find something bigger. This is really making feel like I can't move on with my life after going through a terrible divorce.
Product: Credit reporting or other personal consumer reports

Timeline of Events. 

1. XX/XX/XXXX : XXXX sent out wrong credit report that effected my credit approval. My score went from XXXX XXXX XXXX  for six months XXXX XXXX XXXX XXXX  ) before being fixed. 

2. XX/XX/XXXX Citibank : I had a {$27000.00} credit limit with Citicards in good standing at a {$0.00} balance. I have never had a late payment or missed payment for any of my credit accounts. Citibank took away over 75 % of my credit line for no reason. They also raised the APR on all three cards ( Dividend, Double Cash, Simplicity ) to almost 29.9 % from 14 %. When I talked to a credit representative they verbally said " My credit was not good and that my income was not enough to have this much of a credit line. '' My credit balances on all my other cards has never changed and I was never delinquent on any bills. After hearing this from Citibank, I demanded a letter in writing stating what they told me and they did in fact send me a letter about this incident. I have the letter in my possession and it states something different than what was verbally told to me. 

3. I have 8 major credit cards ( XXXX, XXXX, XXXX ) with a combined credit line of {$100000.00} with only {$15000.00} balance used at a 15 % utilization. When Citbank took away my credit balance with no notice, it put me over a 20-30 % utilization for all my credit all around. This has caused all other credit cards to stop with APR promo financing, stop giving me a credit balance increase, stop from renting a new apartment, and even stopped me from getting a great rate on a new car. 

4. Citibank has avoided mortgages to minorities in the past, they had a XXXX lawsuit regarding failed oversight on consumer percentage rates, and now we have a proposed class action lawsuit against Citibank and XXXX  families in XXXX. I truly believe Citi either used an algorithm to attack my credit because of the hyphen in my last name ( XXXX ) or Citi reevaluated my account with a bogus credit report from XXXX. They used the bogus report to take away credit and to raise the APR rate. 

5. I truly feel taken advantage of and did not know what to do for the last two years until I saw the lawsuit regarding the algorithm and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection charge from a collection agency call KINUM I have no recollection of ever opening up this account.
Product: Student loan

ive been paying on this loan over 10 years and it was just a XXXX dollar loan these people are robbing me
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : 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
Product: Credit card or prepaid card

I am a senior citizen and banking customer for 25 years, I have had my credit card in question for over 15 years without ever any issues. I also maintain an XXXX point credit score. This means nothing to the bank they cancelled my card without any notice, They did say they sent me a notice but I never received one they could have emailed a notice or alert or posted it in my online banking site for me before closing this account. They told me now they could not reinstate it after my request and want me to reapply for a new one, which I refuse to do. I place the blame on the Bank for never notifying me any way by email or through my online banking notice or regular mail. So after not notifying me they just canceled my card. The customer service is very unsatisfactory bellow par and my bank has thrown me out after many years of me being a loyal customer mortgage holder and credit card holder. I am not going to reapply for a new card like I am a new customer. I want my card reinstated or send me a new one with a new number but I 'm not reapplying for a card I owned for 15 years. I will apply at another bank before I do that. 

On XX/XX/17 they sent me an email reply to my complaint as follows Hello XXXX XXXX XXXX Thank you for contacting Regulatory Complaints department of Bank of America. As your Resolution Specialist, I  welcome the opportunity to address your concerns. 

I am your dedicated point of contact until this matter is resolved. Please note that the Bank of America email address this email is being sent from is not monitored for incoming messages ; therefore, please contact me directly at the number listed below at your earliest convenience. My days and hours of operation are M-F from XXXX to XXXX Central. 
I appreciate you taking the time to bring this matter to my attention. I look forward to assisting you. 
Thank you, XXXX XXXX Resolution Specialist Bank of America Regulatory Complaints Department XXXX EXT XXXX XXXX XXXXXXXX This number they left to call was unreachable from my calling area when I tried to call it so after more complaints they telephoned and left a message with a different number t to call that would only go to a voicemail that they never returned any messages. 

I was told this matter is closed now and they will not reinstate my card and I am not going to reapply for a card I held for 15 years with never an issue because they closed it. If they reinstate my card and send me a new one I will be satisfied. Now I want to close all my accounts and use a bank that appreciates there customers after a 25 year relationship, and can admit it was there mistake and correct it.