23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Barclays Bank submitted delinquency information related to my account. There were unique circumstances that led to the failure to pay the balance for two months, which has had a significant impact on my and my husband 's credit scores, and consequently, our family 's financial situation. 

Lack of Bank Statements : I did not receive bank statements for my Barclays Bank credit card account, which made it difficult for me to monitor my account 's status. The absence of this crucial information left me unaware of the pending balance. 

Physical Credit Card Absence : I did not, and do not, have the physical credit card, which further hindered my ability to track and manage my account. Without the card, I was unable to readily access information or make payments. 

Payment at XXXX XXXX : There was an instance when I made a payment at a XXXX XXXX by showing my driver 's license as identification. Unfortunately, I was not informed or provided with proper documentation to follow up with the charge, which eventually resulted in an unpaid balance. 

Good Track Record : Prior to this incident, my credit history with Barclays Bank had been consistently good. The balance of {$200.00} was relatively minor, and it was an isolated and unintentional oversight. 

XXXX 's Unjustly Affected XXXX XXXX : My husband is not the primary account holder, and he was entirely unfamiliar with the account in question. However, the adverse credit reporting has significantly and unfairly impacted his XXXX XXXX. This negative effect has caused serious consequences, particularly in relation to our mortgage and our ability to purchase the house we intended. 

I understand the importance of maintaining good financial standing and honoring my financial commitments. I also recognize that the adverse reporting was a result of unintended and unique circumstances that I was not in a position to adequately monitor or address. 

There were exceptional circumstances and the impact on our family 's financial situation for a minor hiccup has been disproportionate
Product: Money transfer, virtual currency, or money service

I used to have XXXX XXXXXXXX. This year this bank was sold to BBVA, who was then sold to PNC. Each time the software has gotten worse. The app has none of the budgeting features of XXXX XXXX. If you've ever changed over a checking account you know how much time this takes. 

The PNC app has none of the functionality of the XXXX XXXXXXXX app, it is far uglier and it shows me ads. It doesn't even accept mobile deposits. 

I have been trying to deposit my State of XXXX XXXX XXXXXXXX Stimulus check, but PNC will not accept a mobile deposit for my XXXX XXXX Stimulus check. They could have told me this, but instead they gave me an error message " XXXX XXXX  Deposit Not Available at this Time ''. Last week I contacted customer service several times through their app, then got a " callback '' that rang for an hour each time. When I finally got a hold of someone on Monday morning ( A week after I have been complaining ), the first call was hung up on after XXXX minutes on hold. The second call was when I was informed that they do not accept mobile deposits from the State of XXXX. I talked to a supervisor named XXXX XXXX, who was absolutely unhelpful. 

Each time my bank has been sold this year I have spent the hours it takes to transfer over my accounts, and now I don't have any of the software that works. PNC bank does not pick up the phone to deal with customer service problems even. 

PNC bank should never have been allowed to purchase BBVA or XXXX XXXXXXXX. I believe this XXXX  is dangerously under-capitalized. It has over-extended itself with merger after merger, and is going to go under at any moment
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XXXX XXXX XXXX XXXX  received a phone call informing me a transaction was attempted of {$720.00} on my Amazon XXXX Visa card XXXX XXXX OH and I should call Amazon Customer Service XXXX I called Chase bank  customer service which issued the card and Amazon Customer service, both stated that transaction was not evident on my account and recommended reporting it as fraudulent.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXXXXXX XXXX XXXX XXXX XXXX XXXX, I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported identity thief due to lost of ID and Social security card and rerouting of mail. I reported it to the FTC more than once and my credit is not being protected. XXXX until XXXX I still have someone applying and paying credit in my name. I have attempted several times to inform the credit reporting agencies, of this issue in which in return they have told me my social name and address was to to create the profile. I also provided the FTC report in return they told me was not vaild, now i have several debts on my credit report that does not belong to myself. In return I only own 2 credit cards which belongs to the company XXXX XXXX. The credit freezes on my credit report is not being use as the attempts are still being made to apply for credit by the unknown persons.
Product: Debt collection

XXXX has 2 company 's attempting to collect a debt and both are only sending itemized charges and ALL OF PRIVATE INFORMATION THAT WAS COMPLETED ON THE ALLEGED VISIT AND BOTH ARE REPORTING ON MY CREDIT AND ATTEMPTING TO COLLECT THE DEBT
Product: Student loan

I was on the income driven repayment plan, so my monthly payment was a little over {$100.00}. I was enrolled in autopay. This month XX/XX/2019, without warning Nelnet took {$730.00} from my checking account when I put a stop payment on. They deliberately took my funds and now after speaking with several operators, first customer service XXXX, then a supervisor, XXXX, and than a Manager named XXXX. They repeatedly said there was nothing that they could do. Nelnet just committed fraud. I demand answers and a refund of {$730.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiry on XX/XX/XXXX was made by GOODLEAP LLC without any consent from myself. I believe data that was used from a request that I did approve on XX/XX/XXXX was reused on XX/XX/XXXX to get a new version of the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account XXXX I hereby depute the validity of the alleged debt listed above Entirely. I also request verification of the alleged debt, specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt. I am requesting immediate deletion of all prior reporting made to any consumer reporting agencies, Experian, XXXX, XXXX and XXXX. You must Cease collection efforts until this alleged debt is validated. you must show proof that you legally own this alleged debt and that it is accurate and complete. Thank you for your understanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my continued endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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: Debt collection

Someone has stole information that has allowed them to open accounts using my credit. I have open disputes on my credit report for these accounts already. The accounts that have been placed on my report are from power companies in Texas. I have lived in New Jersey my whole life and have never been to Texas. One of the disputes as already been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX {$1100.00} XXXX  XXXX {$680.00} XXXX  XXXX {$10000.00}
Product: Credit reporting or other personal consumer reports

Credit Report Dispute In a recent submission, I inadvertently attached incorrect documents to my dispute filings. I apologize for this oversight and wish to clarify that the issues and accounts I am disputing remain unchanged. I am submitting this revised dispute to provide the correct documentation for your review. 

Investigation of Inaccurate Credit Report Items is in Violation Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report To Whom It May Concern, I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items i will list will be items that DO NOT BELONG TO ME. The belong to someone with a similar name : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$5400.00} ; XXXX XXXX Balance : {$0.00}
Product: Mortgage

I am a XXXX yo XXXX woman XXXX XXXX XXXX who is CONFIRMED successor- in-interest with a completed Family Loan Transfer package who has successfully completed a Trial Loan Modification in XXXX of 2022. My family has lived in this home for XXXX YEARS. 

I continued making payments while waiting for what I thought was an official trust deed from PHH Mortgage Services. 

To my utter dismay my XX/XX/2022 payment was returned and the permanent Loan Mod was denied for a technical error in my paperwork! 

XXXX claims they could not read XXXX of my documents and that my homeowners policy was expired. However I have had the same policy with XXXX in my name for 5 years and all they needed to do was look in the file. It was current. 

So the Ombudsman XXXX XXXX told me she wishes she could reverse the decision but she could not - ( which is ridiculous- what good is an Ombudsman who has no power to correct wrongdoing? ) and to REAPPLY for another Loan Mod which I did in XX/XX/2022. 

Which i have been informed has just been denied as of XX/XX/2022! 

So now for the supposed lack of XXXX pieces of paper which were actually sent XXXX Mortgage is committed to stealing my familys home of 55 years and stealing our generational wealth. 

XXXX Mortgage a services employees are drones who have no soul.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently a victim of identity theft. I reached out to Experian on XX/XX/XXXX2020 and explained that I had some items that was opened in my name and I gave them the 5 accounts. 3 were from XXXX XXXX 1 was from XXXX, and the other one was XXXX XXXX. I have not opened an account with either one of these creditors nor do I know or haven't allowed anyone to open up these tradelines in my name. On XX/XX/XXXX20 I filed a police report as well as filed identity theft report on the FTC website. Along with these items someone also filed an XXXX Unemployment claim in my name when I've been employed for the past 4 years. So whoever got my identity have a great deal of information. 

Today I got an update regarding my disputes on report # XXXX investigation ID XXXX Stating that 3 out of the 2 items remained. I wasn't provided with anything proving that these accounts were mine. I'm applaud because I have never opened of these accounts and they need to be removed ASAP XXXX XXXX  XXXX XXXX .... 
Remains The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

XXXX XXXX XXXX XXXX .... 
Updated The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 

XXXX XXXX XXXX XXXX .... 
Remains The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

Please see the attachments
Product: Checking or savings account

I have been locked out of my penfed checking saving and line of credit account for several weeks. I have sent in my documents I have done everything I can do and Im still locked out I have a dispute open for global coins roughly XXXX or so dollars was taken from me. I cant check my account balance or anything everything is locked. My overdraft line of credit is over the limit and i cant pay on it i did try to pay some bills and spend money I was expecting a irs direct dep and it never came they have sent back my paments and have cost me several hundered dollars in fees my XXXX  XXXX was shut down becuase they are sending everything back as fraud when the only thing i disputed was global coins I am sending all the forms to you maybe you can get them to help me im also sending you a financial hardship app to send to them please note my id is currently for mo i am working on getting it replaced
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently experiencing a problem with my credit report which involves my report being delinquent with late payments.I WANT SUCH LATE PAYMENTS TO BE REMOVED FROM MY ACCOUNT IMMEDIATELY AND PERMANENTLY. 

XXXX XXXX XXXX AND EXETER FINANCE LLC
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is inaccurately reporting on XXXX XXXX XXXX Account # XXXX They are reporting the account status as open when in fact it is closed. There inaccurate reporting violates FCRA and must be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account magically appeared in my profile. I do not know who filed this account but its not mine and I do not know this account. I believe I am victim of identity theft or error in reporting. Please check this account and fix this error in my profile Account : XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year>XXXX  my cash app was hacked and {$4000.00} was taken my bank that's linked to my cash app reimbursed me. The found it to be proven it was the fault of cash app. Cashapp on XX/XX/year> removed the {$4000.00} in addition to the money I had sitting in my account. I contacted cash app support they said my bank reversed it. I contacted my bank and they said they never reversed the charge. Cashapp still will not correct my account.
Product: Credit reporting or other personal consumer reports

I have been disputing information and requesting corrections on my credit since the beginning of XXXX. At the end of XX/XX/XXXX I began to see incorrect and inaccurate information still existed on my credit report and reached out AGAIN to dispute. My personal information should ONLY be listed as instructed in my letter. ALL differences and variations must be deleted immediately. Experian ignores me and send stall letters to tell me that they dont even think that it's me who is mailing them my letters. Huh? Who would try to correct my issue other than me? You can not continue to ignore my requests and report what you want to on my credit. According to XXXX XXXX XXXX XXXX, XXXX is required to ensure MAXIMUM POSSIBLE ACCURACY. This information violates these laws : 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ), and 15 USC1681b. 
This bureau also allows anybody to access my report without permission! Unheard of! Plus this bureau has not even responded with investigation results within the specified 30 days. I am demanding that everything be deleted immediately.
Product: Checking or savings account

I was out of state when my chime app sent me a notification saying spot me covered your charge of {$59.00} and I was like, what? So I opened up my app n started to look through the charges since my account was drained n it shouldn't of been empty! As I was looking through charges another charge came through of like {$17.00} something I think. I didn't authorize any of these charges and when I disputed them with my.bank chime said they didn't find any fraud... I was stuck out of state until a family member could lend me money to get back home and my bank still hasn't refunded me my money even after I did a rebuttal on their decision to my dispute.
Product: Vehicle loan or lease

I am financing a car from a dealer and was approved from westlake financial for  XXXX with an apr of 24.99 % with 66 payments of {$410.00}, which is really high for me for a first time and they provided me a credit score from FICO and when I called them to ask for an extension they said I needed a 4 payments to obtain an extension and they said that it is from the company policy which I ask to provide a proof and they were denying that request to provide me a proof, and when I payed one of the month it says the interest and principal, when I took out the car they recommended me a GAP in order to drive the car paying {$200.00}
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 been violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 convergent account # XXXX Has violated my rights 15 USC 1681section 602 A,. States I have the right to privacy 15 USC 1681section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 ( a ) ( I ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit card or prepaid card

Around the XXXX of XXXX I noticed that the money I had saved for my grandchild was missing so I called Chime to report it and I told them I did authorize this transaction. For about a few days they emailed me and said there's nothing they can do. I've begged and pleased with them that I didn't do this. After that I called everyday and did everything they asked me to do but it's like they didn't investigate the situation at all!! I've reopened the case so many times that now they just ignore me. All I wanted was my money back and to be done with Chime!!