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

XXXX, I have XXXX issues that this complaint is based on. 

XXXX. Poor Service! Chime is a XXXX company who doesn't have its own Banking operation. XXXX  % of their customer service is deliver thru a computer answering machine. If your issue doesn't fit in XXXX of the XXXX choices given it extremely difficult to contact a human operator. You're routinely hung on when you dial XXXX. It has taken me XXXX or XXXX times to evently reach a human operator. 

XXXX. It takes crazy amounts of times to get things done for their customers. 
a. A friend I recommended to them gave up in frustration and decided he wanted his account closed. He requested a check for the money in his account. It took almost XXXX months to receive his money. The gentleman 's name is XXXX XXXX. XXXX - XXXX XXXXXXXX XXXX. On XX/XX/XXXX, I filed a fraud for a complaint for {$64.00} against XXXX XXXX I was told it would take XXXX days to investigate it. 

XXXX. Not enough humans helping Customers. I'm a XXXX XXXX XXXX XXXX. I don't need more unnecessary stress. 

XXXX. Untrained rep 's half waiting on customer with the mind set of getting the customers off the phone ASAP. A couple of weeks ago I had a scenario where I thought my Social Security check wasn't deposited around the due date. ( XXXX Wednesday of month ) I eventually got talked to XXXX Chime reps and they told my check hadn't been deposited. So, after contacting Social Security, they assured me my check had been deposited as normal to my checking account used over the last XXXX months. Because of this I called and spoke to XXXX Chime rep who give me the same story. ( No Deposit ) Neither of the XXXX professionals thought to look in my deposit history. If XXXX of those XXXX had taken XXXX seconds to look like I did a week later they would have found out my check had been deposited a week earlier. This is the first time it came that much earlier. I admit to missing it. But the bigger problem is all XXXX Chime reps also missed it as well. 

XXXX. I feel I am being punished for filing, my first complaint. It seems suspect the timing of my fraud filing was on XX/XX/XXXX, then right after the time they should have received my complaint. I received a denial on it. I requested a look at the documentation which was used to deny my claim. To which I haven't received a response. 

Inclosing, I apologize for filing a false claim. I thought I could depend on the information provided by XXXX different rep 's saying the same thing but I was wrong to trust them.
Product: Debt collection

They call from different numbers repeatedly everyday including Saturdays and Sundays I have told them I am not working right now but they dont care they harass me daily and I am sick of it! The name of this company is Portfolio Recovery!
Product: Credit reporting, credit repair services, or other personal consumer reports

RESPONDING TO TRANSUNION for COMPLAINT # XXXX Please Investigate Consumer Report. 

Dear TRANSUNION, I, XXXX XXXX, consumer, and natural person, am aware of all of the rights I have, and which are protected by the Congress under the Fair Credit Reporting Act ( FCRA ). The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

On XX/XX/2022 I sent a complaint through the CFPB for TRANSUNION to investigate a violation of an account on my credit report. They did not properly investigate my credit report and has violated my rights under 15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. I have not given written authorization to furnish this account on my credit report. Also, please show proof of how you verified this account or delete it from my credit report. 

The credit bureaus violated my given rights under 15 USC 1681 According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

According to : 15 U.S.C 1681s-2 ( A ) ( 1 ) 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. 

Delete this account immediately unless you want to be held liable {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've submitted disputes with the  XXXX  national credit reporting agencies ( Experian,   XXXX   and  XXXX   )  concerning (  XXXX   )   XXXX   XXXX   XXXX  and to no avail. Each time a dispute is submitted with the  XXXX  bureau  ( s ) , I 'm notified by my own ( not the credit bureau  ( s  ) credit monitoring alerts, a general " Meet FCRA requirements '' note without details to the reasoning of their conclusion with the investigations.  XXXX  has made attempts to request that this item be deleted as well, please see the attached document dated   XXXX   XXXX   , 2017.  The credit bureaus are making it extremely difficult by refusing to delete and not giving me a valid reason as to why. This has hurt my credit report and  credit score t remendously by making appear more at risk to lenders.
Product: Payday loan, title loan, personal loan, or advance loan

I have a solar panel loan. I am in the process of selling my home. I want to pay down the loan with the proceeds from the buyer. The new buyer would then assume the loan. GoodLeap will not allow anyone to assume the loan until I pay them {$14000.00} first. I do not have the funds until the home closes. They will not allow this to happen simultaneously and it is preventing me from selling my home. Good leap has stated that it was not required to give them my solar tax credit, but it was recommended. Now they are stating that they have to have the funds of $ XXXX before they will allow me to sell my home. Ive offered to give them $ XXXX at closing and they wont do it at closing. Again, preventing me from Selling
Product: Credit card or prepaid card

AMERICAN EXPRESS they have ruined my credit score.. never missed a payment to them FOR 5 years, decreased my limit by XXXX for no reason
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of incorrect addresses from my Experian credit report. I have enclosed a copy of my Federal Trade Commission ( FTC ) Identity Theft Report as supporting documentation for this request. The addresses that need to be removed from my credit file are as follows : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX addresses are incorrect and should not be associated with my credit profile. I kindly request that you investigate and instruct Experian to remove these addresses immediately. 
Please provide written confirmation once the removal has been completed. If you require any additional information, feel free to contact me at your earliest convenience. 
Thank you for your time and assistance in this matter.
Product: Credit reporting, credit repair services, 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, GA XXXX ; XXXX XXXX Balance : {$10000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$950.00} ; XXXX XXXXXX/XX/2022.
Product: Credit card or prepaid card

I opened a credit card account with Capital One on XX/XX/XXXX. XXXX XXXX informed me that they shut down the account. I contacted Capital One and they informed me they shut it down due to inactivity. They stated they sent me a letter in XXXX to inform me that if there was not activity they would shut it down soon. I have never received this letter. I asked them to verify if I signed for this letter, or confirm in any way I did receive this letter. I have not received any such letter. Also, last year I contacted Capital One to inform them that my credit card had been stolen and I needed a new card. I have never received this card, therefore I can not use a card i do not have. In summary I had no desire to shut down the account. I planned on continuing to use the card. There stance was that they shut it down due to inactivity, yet if they would have sent this letter or my replacement card then the account would never have been shut. There negligence has affected my credit rating. I spoke to 2 different account representatives ( XXXX ID # XXXX and XXXX ID # XXXX ) on XX/XX/XXXX at XXXX EST, who both refused to re-open my account. Of course, they asked me to open a new account. I do NOT do business with companies who do NOT care about their clients. The offer to open me a new account, but not re-open my old account due to their mistake. My credit rating is XXXX   ... any credit card company will open an account for me, but Capital One will NEVER get more business from me unless this is cured.
Product: Credit card

Citibank Card acct : closed Data Privacy have not been secured as am receiving numerous scam attempts and harassment via phone, text and email regarding credit card
Product: Debt collection

I have a collection with IC systems, dept collector for XXXX XXXX. 
It went into collections in XXXX, I received a settlement letter for a reduced amount. I contacted them to see if this amount included a credit for returned Tv boxes. This about XXXX XXXX Now they are reporting it as a new dept opened in XXXX of this year. XXXX. Since this was already on my credit report now looks like XXXX new collection. Can they re age the collection in this maner?
Product: Mortgage

My name is XXXX XXXX XXXX. I recently closed on a house XXXX XXXX/XXXX/XXXX XXXX, but I feel as if the lender took advantage of the fact that we were living in a hotel, and desperately needed to close on that date. I was originally going to use XXXX. However, PHH Mortgage seemed to have given me a better deal. However, the closing cost increased by $ XXXX on the day of closing. They took the money that I would have been reimbursed by my relocation package and applied it to that difference. I had to pay more money at closing, I had no choice but to close at that time, because we were literally homeless. I have additional information if needed. 
I would like for PHH Mortgage to reimburse the XXXX that I lost because of an " error '' on their part.
Product: Credit reporting or other personal consumer reports

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 XXXX DC XXXX Subject : Complaint Regarding TransUnion False Accusations Dear CFPB, I am writing to file a formal complaint regarding TransUnion keeps making Verified accusations about XXXX XXXX XXXX account. It was deleted from my transunion credit report. My name XXXX XXXX XXXX I fill that TransUnion is harassing.
Product: Credit reporting

Equifax free credit report not available! XXXX and XXXX are able to provide free credit reports when my current information was supplied. 
Look at internet. Several customers seem to experience the exact the same issue that I have experienced. Equifax free credit report is not available and their website is showing that I ca n't get the report online. Instead, Equifax is asking me to send my XXXX and other documents requesting for free credit report. XXXX and XXXX are able to provide free credit reports when exact same current information was supplied to them. Why is Equifax providing such poor service to customers that need free credit report? 
Can Equifax improve standards to compare with other XXXX agencies - XXXX and XXXX so that customers do n't waste their time looking for free credit report from Equifax. 

Can Equifax implement appropriate quality measures and actions to resolve customer complaints with this credit reporting agency? 

I tried their telephone IVR system as well. It is not functioning and I had to repeat the same information again and again. I also asked them to address this through customer service email. I have not received any response so far. Why are they making this so difficult to obtain a free credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Whom it may concern, My home loan has been bought/transferred several times, I now realized one of those changes affected my credit score very badly. 
On XX/XX/2017 my mortgage payment was processed on time for {$1700.00} and also additional to principal for {$1000.00} ( attached NationStar statement as proof ). 
The lender made a change in its system that result on a system error, creating a Payment Reversal on the same day without any warning or notification. 

I received a call a month later, I was informed about the lack of payment for XXXX and the missing payment on XXXX, I submitted both payments right away ( also additional to principal ). 
I was told about the system problem, they promised to remove any late fees and clearing any negative report that could affect my credit score. 

I am contacting you to request your help on this matter, this negative inquiry to my credit was done recently ( 3 years later of the incident ). I do not think that I deserve to have this derogatory record on my credit score because there was not fault on my side. 

Please let me know what I need to do to fix this problem, I need to clear my credit score as soon as possible. 

Please find attached : Utility Bill, DL, Credit Inquiry and NationStar payments statement Thank you.
Product: Credit reporting or other personal consumer reports

I HAVE CONTACTED EXPERIAN AND DISPUTED A DEBT ACCOUNT ( XXXX Account XXXX ) WITH EXPERIAN RESPONDING : The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. EXPERIAN CLAIMS THEY USED A DATA FURNISHER TO VERIFY/VALIDATE THIS INACCURATE DEBT. THE FCRA STATES THAT ONLY ACCURATE DEBTS MAY BE LISTED REPORTED ON CREDIT REPORTS. EXPERIAN IS AND HAS BEEN REPORTING THIS INACCUYRATE DEBT ON MY CREDIT REPORT EVEN THOUGH I HAVE PROVIDED NUMEROUS INACCURACIES IN WHICH THEY CLAIMED HAVE BEEN VALIDATED BUT HAS FAILED TO PROVIDE ME WITH THE INFORMATION ON HOW IT WAS VALIDATED TO INCLUDED NAMES., ADDRESS, CONTACT INFO AND DOCUMENTS.
Product: Debt collection

i have a payment plan set up with these people. and the all me still every single day and threaten me and are very rude in the way that they speak to me. I know that I fell behide on the loan but I am doing the right thing to try and resolve it. I asked for a supervisor and she was just has unhelp and rude has the collector. I got XXXX and lost my job I am now on XXXX and trying my hardest to do the right thing. They told me the only way that I can pay them is over the phone and with a checking account or debit card and not other form of payment will. work.. and I set up a plan yet I get a call every day 2-3 times a day and I am over them calling me all the time.. I want the calls to stop and I want them to send me a bill. I would rather speak to my worst enemy then to these people who are so rude and disrespectful in the way the handle there calls. I worked in the collection field for over 15 years before I got sick and it sadden me to see how collector today are making the collection world out to be. I would never let a collector who was under me speak to a consumer they way that I was spoken to today.
Product: Credit reporting, credit repair services, or other personal consumer reports

The attachments below shows that my credit score went down because of this collection. I received a letter also attached below stating that this collection was deleted but its still showing on my credit report. Also on the CFPB website it states that in 2023 any medical bill thats under {$500.00} cant be reported to consumer reports anymore.
Product: Credit card

I called Chase Credit Cards on XX/XX/XXXX to obtain the statement balance on my CC so I could pay that amount to avoid interest charges. Per my online account, the payment was actually due on XX/XX/XXXX to avoid interest, but the online service did not provide me what the balance is. For context, I recently took advantage of a balance transfer offer of $ XXXX, which was interest free until XX/XX/XXXX. The fee for the transfer was {$500.00}, so a total of {$10000.00} was processed. I asked the representative what the statement balance was as of XX/XX/XXXX ( minus the balance transfer total ) so I could pay that remaining balance to avoid fees. I believe the rep was not understanding the question so I requested to be transferred to a rep in the U.S. I then was given XXXX in the U.S. I posed the same question to her and she initially stated that we ( she's been speaking with my wife, XXXX who is authorized ) would have to pay the full balance including the balance transfer amount or interest would be charged. We contested this and she then retracted and stated she could not provide us the statement amount for the time period requested, which was XX/XX/XXXX - XX/XX/XXXX. I asked her how is it possible they're not able to provide this amount and that as a consumer, we should be able to obtain that amount so we can pay it to avoid interest. I then requested to speak with her supervisor and she stated supervisor do not take calls and she would be the last line for a call to be taken. The agent then stated she couldn't give that amount and asked if there was anything else ( attempting to promptly end the call ). I told her again that if a consumer is not able to obtain the amount needed to be paid to avoid interest charges, this is poor practice by the financial institution. She apologized and disconnected the call.
Product: Credit reporting

Please see the attachment. It is as clear as day how Equifax is not verifying any information when checking on disputes. The quick story is that I am a victim of ID theft. I had XXXX items blocked on my credit report in XX/XX/XXXX and XX/XX/XXXX. Last month Equifax added these items back on. I immediately sent them the police report and ID theft report and even updated it. They ignored it and said they will NOT block them even with all the proper paperwork. This is just part XXXX. They then said they investigated each XXXX and verified they belonged to me. They then put Collection Account and Skip on each XXXX of them. So, instead of blocking them at my request and pursuant to the FCRA consumer rights which is MY right as a victim of ID theft, they did not, they claimed to follow up, then put them in notes as collection and skip ( which means I ran from these accounts and they cant find me ). This is as untrue as can be, they all know where I live including Equifax. BUT to really prove how the violated my rights, they also put collection and skip on a VALID account that is mine, that I used daily, that is in good standing. PLEASE see attached. They lied, they added Collection and Skip on all my accounts I asked to Block then EVEN DID ON VALID ACCOUNTS. Not only that, they show all of the collection and skip accounts as being paid on time. HOW? Just look at the attached. I can file a major lawsuit against them. They have accounts on time in collection and skip. They have a valid account listed as collection and skip. ALL of these accounts are showing as being paid on time. Every consumer right I have under FCRA is being violated. I simply had a total of XXXX items that I blocked and now it is XXXX items due to them adding stuff, lying and making up items on my report. Just look at the attachment it explains it all. It is as easy as pie to see how they are purposely trying to destroy me because I keep mailing them letters DAILY. They are upset at this and trying to hurt me and my credit. My credit is a XXXX but Equifax is trying to destroy it. They are evil people. They need to be held accountable, my attachment will show this all to you. I tried to put this all in XXXX document for you. I have amble proof, a police report, an id theft report but I do n't even need those, this shows clearly how every account is wrong.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I kept receiving messages that my user Id and password has been changed. I was assuming it was a scam till I tried to sign in and couldnt. I tried looking up a number to call for help, of course the phone number listed on XXXX was the number for a scammers, They started telling me what I needed to do and to click on a link so they can see who the scammers were and to stop them, I was told that they had all my information, including my XXXX account.They were trying to get me to approve transactions to make sure that they are not going through my bank and credit cards. So they of course used XXXX and XXXX XXXX and other credit cards to purchase gift cards from XXXX XXXX XXXX, XXXX XXXX and XXXX. I realized what they were doing and hung up right away and notified the bank and the credit cards companies. I immediately changed my passwords, notified the the credit bureau to put an alert on. The bank is refusing to give me back my money, Im XXXX XXXX XXXX and cant afford this loss, bad enough that they froze my account and had no money to buy food or pay my bills. I didnt authorize the scammers to do any transactions. They were telling me that these transaction will. It go through and they kept yelling and talking fast and I was so confused and worried and scared. These scammers were pretending that they are customer service helping me get my account back and trying to stop the scammers. 
I reported the case to the police, I submitted all the phone numbers, the names of the hackers to the bank as well as to the police. The bank still insist that I authorized these transaction and will not give me back my money. I lost so far XXXX and Im still waiting on XXXX XXXX and XXXX XXXX to make their decisions. I did have my data breach from few places prior to this incident, last one was XXXX XXXX. 
Thank you in advance for your help.
Product: Mortgage

Loan was refinanced and paid off on XX/XX/2021. Guaranteed Rate stated that sent a escrow refund check on XX/XX/2021, I call them after 30 days on XXXX/XXXX/202, They apologized and said that they would send out another check and to give it 30 days. I waited another 30 days I called on XX/XX/2021 still no check. I have spoken to 3 different supervisors all saying they would escalate this issue. I have also spoken to them today, XX/XX/2021. I have waited long enough. And, I do not have confidence that this will get done.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is making me liable for an account my father signed on an auto loan. I as XXXX XXXX XXXX did not signed a contract on XX/XX/2016. The contract the company sent back with the contract and signature, that is not my signature it is my fathers so I should not be liable.