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

Upon reviewing my credit report, I discovered several unauthorized hard inquiries that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my credit report. This issue is causing undue stress and is negatively affecting my financial standing
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 my credit score was 679-690. I filled a dispute on Experian and XXXX to verify that an old XXXX account was in fact closed. After I disputed requesting proof that and old XXXX account was closed or if it was still charge off I was notified within 2 days by XXXX that account was still in charge off. That information was posted to my credit report and caused my score to drop 40 points. The information posted was no different than whats been on my report for years. 

Ive worked hard, really really hard, for 5 years to build my credit score up. REALLY HARD. For my score to drop like this over an account dispute is despicable and wrong. I contact Experian and XXXX  both were not helpful. 

I explained that I Only was trying to verify information. And they said they couldnt do anything to fix my score. But that, that shouldnt have happened because no, new information was being reported. They said to wait a month and see if it resolves on its own and brings my score back up to where it was. Its been a month. Nothing has changed. Please fix.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to somehow reappear on my credit report showing that I owe them money after these accounts have been closed. These private student loans were opened 12 to 20 years ago, yet somehow XXXX manages to continue to hit my credit report. Just today when I checked my credit, they say I owe them over {$200000.00} in private student loans that are 12 to 20 years old. This dropped my score by over 40 points. I continue to dispute this with the credit bureaus and it gets removed, then months to even a year later, XXXX reappears again.
Product: Checking or savings account

My sister passed away XX/XX/2022. We have been going through her paperwork and noticed she had Chime accounts. I tried to call them several times and they wouldn't help. So they told me to email them. I did. Several times. 

They said I have to send my ID and a copy of her Death Certificate. I took several pictures and uploaded them to their website at least 10 times and they continue to tell me the death certificate is blurry. I have taken the pictures with my phone ( as they requested ), and didn't edit them ( as they requested ) but they continue to tell me they can't take them. I sent the exact same pictures to my husband to see how they come across and he said they are clear. I don't know what they are trying to do here, but they are lying about the pictures. I want to close her account and take her money out of her accounts, but they won't. I'm not sure what else to do. They have her money and won't release it. 

My mom also received a message on her phone stating someone was trying to get into her account. We want to make sure someone doesn't steal her money ( but at this time it looks like CHIME is stealing her money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX This account should not be reporting any late payments XXXX XXXXXXXX I have never been late on this account XXXX XXXX XXXXXXXX I was never late late payments I was never late. 

XXXX XXXX XXXX I was never late late payments I was never late.
Product: Credit reporting or other personal consumer reports

My Experian credit report lists the street address of the post office as a personal address on my credit report. 
I attempted to dispute it but Experian wants me to call XXXX XXXX to verify the address they have on file. 
The address was never used by me in any transaction as i have a post office box that i utilize on transactions.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my creditreport, but there are still some items that need to be fixed. The 3 Credit Bureaus must verifythese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$1100.00} XXXX XXXX XXXX XXXXXXXX Balance {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance {$490.00} XXXX XXXX XXXX XXXXXXXX Balance {$870.00} STATE OF MI XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$26000.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00}
Product: Checking or savings account

My business account, under the name XXXX XXXX XXXX, was closed recently without any stated reason. 

When I reached out to inquire about the cause, I was informed that no specific reason could be provided. This lack of transparency is unacceptable and has caused significant inconvenience to my business operations. 

I kindly request an immediate explanation for the account closure and seek guidance on the necessary steps to resolve this issue promptly.
Product: Debt collection

Back in XX/XX/2021 I contacted Pnc bank about a dispute from an airbnb that scammed me while I was away on vacation. The XXXX charged me XXXX for the stay and when it was time to check in the XXXX host did not answer. Pnc refunded the funds, and the within 90 days the funds were taken back from my account. There was fraud and the account was closed, but the dispute could not be re-opened and I lost an account I had for 14 years.
Product: Debt collection

I received this email from a weird address on XXXX XXXX, XXXX CUSTOMER ID : XXXX CASE FILE # : NT - XXXX LOAN INFORMATION PAST DUE AMOUNT - {$980.00} CREDITOR - ACE CASH SERVICES Accounts Department of Cash Advance has decided to mark this case as a flat refusal and press legal charges against you. 

You are going to be legally prosecuted in the Courthouse within couple of days. Your S.S.N is put on hold by US Government, so before something goes wrong we would like to notify you about this matter. 

Consider this as a final warning. And we will be Emailing/ Fax this issue to your current employer to make sure they take strict action against you. Your salary wages will be garnished too. 


THERE ARE 3 SERIOUS ALLEGATIONS AGAINST YOU : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to {$3900.00} and will be totally levied upon you and that would be excluding your attorney charges. If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in future. 

Do revert back if you want to get rid of these legal consequences and make a payment arrangement today or else we would be proceeding legally against you. And this is to notify you that this notification will also be sent to your current employer. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action. 

If you want to resolve this matter then immediately contact us thru email or call us at ( XXXX ) XXXX between working hours XXXX to XXXX ( EST ) Ace Cash Services Phone : XXXX ( XXXX ) XXXX Department of Law & Enforcement ( XXXX ) Copyright ( C ) XXXX XXXX | Privacy | Terms of use
Product: Mortgage

My Mortgage was sold to Nation Star in XXXX which is now called Mr Cooper. 
As of XXXX I paid my real estate taxes and XXXX there was no escrow on this account with this company because I paid my taxes and insurance. 
Fast forward XXXX I was paying my taxes as usual. XX/XX/XXXX I notice an increase in my mortgage of {$920.00} a month in addition to my mortgage payment. 
Called Mr. Cooper they told me that the state notify them of a lien on my taxes in XXXX. 
Went to the city of XXXX in XXXX they showed a balance of XXXX taxes of {$2600.00}. I had no idea of this balance from the city of XXXX. My problem is I have been paying the extra {$920.00} for now but I can not continue the excessive amount of escrow. I have called and spoken to the company every month since this started in XX/XX/XXXX. The reason there was a balance of $ XXXX.in XXXX was because the exemption was not given to me because of a simple oversight by the Assessment office. 
That was cleared and the exemption was approved in XXXX. Now going forward I want to pay my taxes directly to the city of XXXX instead of Mr cooper taking from me the excessive amount of {$920.00} each month.I am being treated unfairly by this mortgage company. By charging this outrageous fee I believe this company is trying to foreclose on my mortgage. And this is another way for them to put more money in their pockets by forcing the homeowners to pay extra for escrow. Your help will be greatly appreciated. 
Thanks
Product: Credit reporting

I was away on duty and my account was on hold and XXXX still put it late after my mortgage was being paid on time. I could n't contact them until I got back. Since then I lost my military priveledges because of my credit and not paying bills. The credit bureau have wrongfully reported me late.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I submitted a complaint to the CFPB because I requested TransUnion to remove the dispute status that appears on the XXXX XXXX tradeline on my credit report. I am trying to refinance my mortgage and the lender REQUIRES the dispute be removed from the account in order to approve the refinance. I originally sent a letter on XX/XX/2021 to TransUnion to remove the dispute. TransUnion responded to my dispute by stating they are investigating the dispute when all I need is for them to remove the dispute so that my lender can approve my loan. It is ridiculous that TransUnion needs 90 days to remove a dispute. I NEED THE DISPUTE STATUS REMOVED FROM THE XXXX XXXX  TRADELINE IMMEDIATELY IN ORDER TO CLOSE ON MY REFINANCE!!!! I am unable to get the benefit of a lower interest rate because TransUnion refuses to remove the dispute status on my request, it is my credit report!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in several FTC reports and nothing still have not been removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$11000.00}, {$3200.00}, {$1800.00}, {$390.00}, {$800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX  XXXX XXXX  NA with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$11000.00} -This is not my account. 

-- COLLECTION ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$3200.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$1800.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account.
Product: Debt collection

On XX/XX/XXXX, I received emergency medical services from XXXX XXXX of TX. In early XX/XX/XXXX, XXXX XXXX merged with XXXX XXXX XXXX ( XXXX ). At the time of my service, I paid the required {$250.00} fee and my health care provider, XXXX paid all other charges. In mid-XX/XX/XXXX, I received notification from a collection firm entitled, AMCOL, XXXX XXXX XXXX, XXXX, SC - ( XXXX ) XXXX. They indicated that they were retained by XXXX to collect {$250.00}. I explained to them that I had inquired with XXXX and learned that all fees had been paid and that I owed nothing. I also sent in a written letter, via US Mail, to dispute of this charge. This apparently went on deaf ears and AMCOL continued to attempt contact with me. I again called them and informed them of the wrongful charges. While on vacation onXX/XX/XXXX, my credit monitoring service, XXXX, informed me that I had at least two collection account, XXXX and XXXX that had been added to me credit bureau report. <P/>On XX/XX/XXXX, I called XXXX to request additional assistance and their representative name XXXX and I got on the phone with XXXX 's representative named, XXXX. XXXX looked at my account and immediately stated that this account was sent to AMCOL in error. She stated that my account had been paid in full. On another line, XXXX called AMCOL and spoke with XXXX to have this account removed from further action and to also delete the wrongful collection notice that was erroneously reported to the credit bureau companies. XXXX stated that I would be receiving a formal letter from XXXX along with the AUD number which would confirm that this collection account had been removed from my credit bureau reports. XXXX indicated that she would call me by XX/XX/XXXX and inform me regarding the AUD number and that my CBRs would be cleared of this wrongful entry made by AMCOL. <P/>As I write this complaint, nothing has taken place and I am extremely concerned and frustrated. I have always paid all of bills and I have been blessed with an XXXX credit score. I do the right thing and I am appalled by this treatment.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXXXXXX 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

i have written many times to the creditors and called about the existing late delinquencies on my credit report, for several account such as (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ), i have sent many letter and disputed the delinquencies. even i have written to the credit agencies ( experian,   XXXX   and   XXXX   ), but no action has been made. i need your help in this matter, please have creditors take out the late ( remov e ) fro m my credit reporting agencies.   i would greatly appreciate
Product: Debt collection

I am filing this complaint because KASHABLE have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice I have XXXX activity please remove the fraudulent accounts as they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint regarding multiple inaccuracies on my credit report - charged-off accounts that are being misreported. These errors are unfairly causing significant damage to my credit and should be corrected immediately. The charged-off accounts are being inaccurately reported, showing incorrect details such as credit limits and past due balances, which is inconsistent with how charged-off accounts should be represented.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have bought a flight ticket to my sister in low on XX/XX/XXXX via XXXX XXXXXXXX from XXXX to XXXX. round trip from XX/XX/XXXX to XX/XX/XXXX the ticket with XXXX XXXX. Since I booked the ticket until 2  weeks before the trip there wasn't any notification that my sister in law needs a transit visa from the XXXX XXXX in XXXX. Evidence 2 is the ticket that we printed on XX/XX/XXXX it doesn't have any notification about the transit visa. Evidence 1 it is the ticket on XX/XX/XXXX and there is a notification that a transit visa is required, then I called XXXX XXXX they told me I need to call XXXX XXXX. I called XXXX XXXX and they told me they are not sur and I need to contact the XXXX XXXX in XXXX. I have emailed the XXXX XXXX in XXXX and they confirmed that my sister in law needs a visa and it takes at least a month to schedule it. We don't have enough time to schedule an appointment to get the transit visa and I asked for a refund XXXX XXXX  refused. they can give me only a credit that I have to use before XX/XX/XXXX and only for XXXX. My sister in law XXXX can come only during the summer since she has XXXX kids on XXXX in XXXX, and this visit just during the school vacation. I called XXXX XXXX and they told me I need to call XXXX XXXX to get the refund. I called XXXXXXXX XXXX and they told me I need to deal with XXXX XXXX since they have the money. I report dispute with my Credit Card bank and I am not sure if they can help me or no since the transaction from XX/XX/XXXX. I am asking for a full refund since XXXX XXXX  did not provide the entire information abut the trip and the requirements.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Collection/Charge Off XXXX XXXX XXXX XXXX  {$9200.00} Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$28000.00} Inquiries : XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I was supposed to receive a {$50.00} promotional credit for depositing {$2000.00} from XXXX XXXXXXXX XXXX. The {$50.00} was supposed to be credited no later than XXXX/XXXXXXXX. I have not received my promotional bonus despite the fact I was induced by their promise and met the promotional terms.
Product: Debt collection

This company calls me daily multiple times a day from various numbers and harasses me
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and it was fraudulent activity. Please remove these fraudulent accounts from my credit report.
Product: Credit reporting or other personal consumer reports

Im am a victim of identity theft the XXXX XXXX XXXX XXXX XXXXXXXX is not mine it is a fraudulent account I have attached a FTC report also 605B ( 15 U.S.C & 1681c-2 ) requesting that Equifax block this account from reporting to my consumer report within 4 days from receiving this complaint.
Product: Debt collection

I have been informed that negative information was reporting on my credit report by a collection agency with the name CMRE. I contacted this company by certified mail twice. on  XXXX / XXXX /   2017  &  XXXX   XXXX ,    2017  to get validation of debt amount owed. This company has failed to reply or send me any type of mail about this debt that they are falsely reporting on my credit report. I have received confirmation through th e USPS  that this company received my certified letters but have yet to respond in a timely manner. I gave this company well over 30 days to send me validation of debt owed on the first go round and have not received anything since. This company states I owe  XXXX  $ but I will not pay this collection agency any of my money without validation. This company have not contacted any of the credit bureaus to mark my account and disputed which now they are violation of Fair Debt Collection Practices Act &  Protection under the FCRA Section 623.    I need this to be removed from my credit report due to this inconvenience.
Product: Credit reporting or other personal consumer reports

I recently reviwed a copy of my credit report and notice i had fraudulent account on my report. Please remove this account from my report. this is hurting my ability to obtain credit. Account XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 60 ) days late and also reporting a collection/chargeoff I the amount of {$5200.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a XXXX dollar balance. This false reporting of not only lates but a collection/chargeoff on an account with no outstanding balance, is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

.This is information on a previous submitted information. 
Today after reviewing my credit scores which I do often after the identity problem last year, I noticed that a Hard Inquiry was made on XX/XX/year> XXXX Address : XXXX XXXX XXXX, XXXX, FL XXXX XXXX : ( XXXX ) XXXX On both my XXXX and XXXX accounts. I tried to call the above listed phone number and it doesn't go to anyone, it just continues to stat about all different products. I did already contact XXXX and will after done completing this complaint will be contacting XXXX about this fraudulent inquiry. I do have fraud monitoring places on all three credit bureaus last year and did not get any notifications about this inquiry as to date. 

After reviewing the above information I have discovered that the inquiry made on XX/XX/year> SYNCB/XXXX address and phone number is different from XXXX and XXXX. My Experian account shows address of above in XXXX, Florida and my -- XXXX account show - SYNCB/XXXX  Address XXXX XXXXXXXX, XXXX, PA XXXX Phone # XXXX - Two different addresses and phone numbers. 

Again I have never applied for any credit card with the above business.