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

On XX/XX/2024, I received an email from Chime online bank " welcoming '' me to their " team '' and a few days later a debit card from them arrived in the mail. I signed up for neither a checking account or debit card. When I finally was able to speak with an actual human ( I said my debit card had been stolen ) through the customer service number provided on the debit card, they could not find my checking account based on the debit card number they had sent me. They then asked for the last 4 digits of my XXXXSN as a way to verify my supposed checking account. I told them I wasn't comfortable supplying this personal information and they told me they couldn't cancel my " account '' ( which they couldn't even find ) without that information. I then contacted XXXX XXXX 's team who suggested I file a claim with you all. And, for what it is worth, I do have my credit frozen with all of the major reporting bureaus.
Product: Checking or savings account

I transferred my funds from my Inheritance to my cash app account and I thought the funds would be safe there, I was in the hospital in XXXX and I can home and tried to use my cash app account with the debit card and the card was never activated, but all the funds were taken away without my authorization and I have been working on this since XXXX of this year and the cash app people tell me that I am not going to get any of my funds back they said that all the funds were taken and put on another debit card.I have contacted cash app several times and all they do is hang up and decline my case and I am sick of them not trying to help me figure this all out. They should have a way to find out where my money has gone to buy the ip address and the debit card number, I would be so pleased if you could help me in any way possible to get my money back the amount of money that was take from my account is in the amount of {$28000.00} and cash app says I am sorry mama but there is nothing that they will do to get my funds back. Please help me. 
My Phone number is XXXX if you should need to talk to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  should not be reporting that I am ( 90 ) days late on the XXXX XXXX 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. Also, they should not be reporting that I am ( 90 ) days late on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account also reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not responded in a timely manner to notification that the company is not reporting my credit history. They were notified at the end of XXXX, by my credit union that the Experian credit report was not posting data about my account, which had been sent to them. Subsequent to this failure on their part, they eliminated my XXXX score. They have been notified by me of the problem. It '' s been almost 90 days, since they were notified by the XXXX XXXX, and they have yet to update my credit report, communicate with me or even offer a valid phone number that they will answer ( the one on their credit report does not get answered ). They are clearly in violation of the credit reporting law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today at XXXX I attempted once again to speak to someone ( XXXX XXXX at SYNCPB/PPC Paypal credit as this appears on my credit report. I have already provided previous information to my Credit Bureaus, namely XXXX as well as the other XXXX. They have refused to properly investigate and have simply sent an effortless response saying that they investigated and that this shows as belonging to me. 
I was told that my account has a {$0.00} balance and was closed. I responded that it was I that requested it be closed but was told that they closed it due to delinquency. This was not the case as I remember it. However, I'm not sure if this minor fact is relevant. I expressed my point that I had made a significant payment of nearly {$1800.00} and that no balance had remained. All my payments were made on time. But somehow, XXXX accounts which appear to be the same account have been reported twice to my credit report significantly impacting my credit score twice more than justified. I even made another payment XX/XX/XXXX in order to prevent any further complications and to mitigate any error in my power. I requested the proper address of the department which is responsible for reporting this error and was told that it is NOT POSIBLE FOR ME TO BE GIVEN THAT INFORMATION. THIS IS EXTREMELY UNFAIR AND LEAVES NO OR LITTLE OPTIONS TO CORRECT THIS ERROR. This is a violation of my consumer rights and circumvents any ability I have to help correct this. I requested that this be corrected immediately and I was told that it was not possible. How can this be? I am left with no option and no remedy to correct this except to rely on the credit bureau- which as we can see will only side wit the merchant /company that reports this in obscurity. Please assist me. This has dropped my credit score significantly where it remains in an area range hopeless to obtain further credit or further participate in commerce related to credit despite a good credit history with several other accounts. This negative consequence is disproportionate and deserves legal action. 
ATTACHED : Shows a further attempt to make an additional payment of {$27.00} in XXXX. I had a XXXX balance before this. I closed my account in XXXX to help ensure that there there was no further issue and in order for me to narrow down where this such error may be occurring. So my Balance is {$0.00} but yet somehow this merchant still reports me as late for XXXX. How is this possible? ( The additional merchant on this attachment is addressed in a separate complaint I have submitted very recent ). Further, I was promised today that I would receive an email confirmation reflecting a {$0.00} balance by SYNCPB/PPC this merchant in question but still have not received it so that I may include it in this complain herein submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance Owed : {$550.00}, XXXX XXXX  XXXX Balance Owed : {$19000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is still reporting my account XXXX as opened, even though it's fully been closed according to the company. This must be corrected by the credit bureau to correctly reflect that it is closed
Product: Debt collection

I recently checked my XXXX  credit report and I still see a collection from ability recovery services on my report for {$0.00} after I was told over the phone once I pay the {$170.00} which I did in full that the debt would be deleted but ability recovery didnt keep their promise.
Product: Checking or savings account

I order the cancellation of my request for {$53.00} from my Merrill Lynch XXXX checking account. IT WAS CONFIRMED and so I wrote a check for {$50.00} on this account. The check was present to my bank and IT, OF COURSE, BOUNCED! 

Now I am being charged an overdraft fee by Merrill Lynch XXXX is this is PATENTLY UNFAIR AND ILLEGAL! 

It was there fault that they did not honor my said cancellation! 

To add insult to outrage, Merrill Lynch sent me a check for {$53.00} THAT I HAD AS AFOREMENTIONED CANCELLED WITH CONFIRMATION OF SUCH BY MERRILL LYNCH!!!!!!!!!!!!
Product: Checking or savings account

On XX/XX/XXXX, a cashiers check for {$2300.00} was forged in my name and taken from my checking account at the chase bank on XXXX XXXX XXXX XXXX stolen drivers license was used in this incident so the individual could further pose as myself. 

On XXXX XXXX XXXX, I had a fraudulent check drawn for {$2000.00} from my account with the check number XXXX. This forged check cashed at CHASE Bank at XXXX XXXX XXXX in XXXX. 

Then on XX/XX/XXXX, a check of {$600.00} was forged and taken from my account at this branch as well, again using my stolen drivers license as as proof of identity Chase bank has refused to return this money to me despite providing multiple police reports and reporting this as fraud.
Product: Credit reporting or other personal consumer reports

I have inquiries on m report that needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX  of  XXXX  I pulled my credit report and foun d that Dept. of  Education/  XXXX   was reporting my account as 90 days pat due in  XXXX . This is inaccurate- even on their own page it shows I only did not pay 1 month and that was deferred while my income based repayment plan application processed. On th e Credit reports it shows the month prior to that month the account is in good standing and the month after is in good standing as well. I first sent a good will letter requesting the information be correctly updated- se nt return receipt request  via USPS . That was followed up by being informed to log into my account and dispute the information. I did as was ask ed and approximately 45 days later was notified that the information will be remaining the same, when I called in I was told that they do not re port 30 or 60 days late payment and all late payments are reflected as 90 days past due. I stated this was  unfair and the customer service representative apologized and restated that the information would be remaining the same.   I then contacted the  XXXX  credit bureaus and request the information on the late payment be removed as it was incorrect and sent in the letter to  XXXX .   XXXX   sent notification that they saw this and removed the late payment. TransUnion and  XXXX  declined removal and stated the information would remain on my report as their " investigation '' found it to be accurate- even with proof off their own reports showing the month prior to the " 90 day month '' showing account in good standing and the month after showing paid.
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 violated my protected consumer rights to privacy and confidentially under 15 USC 1681.

15 U.S.C 1681 Section 602A. states I have the right to privacy.

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

15 U.S.C 1681c ( aX5 ) Section States ; no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime with antedates the report by more than seven years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I didn't authorize the above items listed on my credit report.
Product: Credit card or prepaid card

I opened a Discover card on XXXX XXXX was SECURED with a XXXX deposit. I closed my account XX/XX/2018 due to overpayment and not receiving my security deposit. A credit balance payment of XXXX was sent to me, so at thay point I had a XXXX balancr5.However no credit was availa ble. I contacted Discover and was told they could only release XXXX, becausr they were waiting for a XXXX chevk to clear. As I explained to the rep the XXXX check was to be applied to my deposit as it was stated in the check memo.i was told by Discover I could not do this. I then requested my check be returned to me.Only XXXX dollars was released and i charged XXXX Which I sent Discover a money ORDER which was sent to XXXX XXXX in the executive office as he was supposed to be handling my account. My XXXX check has never been sent back, instead they held it for 10 days applied it to my XXXX balance account chevk was never paid by my bank. So the XXXX payment was put back on my account even though I had a XXXX  balance. So when i closed my account they applied the XXXX check against by deposit and kept it. I have sent numerous emails and letters to XXXX XXXX with no RESPONSE. I even emailed him my current statement which shows a XXXX  balance no payment due and a credit limit of XXXX. How can I have a XXXX credit limit when my account has been closed for 2 months. I have sent 3 different complaints to the XXXX XXXX  XXXX. The latest email I received from Discover is that they can't locate my paymeny?? Then how do i have a XXXX balance. Now requesting a copy of my PAYMENT which will continue to delay the XXXX refund that I am owed.Thiz is BEYOND ridiculous that after 2 months and 20 emails to XXXX XXXX at the executive office and this is still not been resolved
Product: Student loan

As a college freshman, I took out a {$4000.00} loan to attend XXXX. It has been over a decade and I have PAID to Wells Fargo over {$10000.00} and I still owe nearly {$8000.00}. In the end, I would pay over 4 times the original loan amount. How is this legal?
Product: Debt collection

I recently filed a an identity theft report after realizing my identity had been compromised and submitted it to all three credit bureaus ( XXXX, XXXX, an XXXX. I have also reached out to collection agencies who have appeared to have ownership of the debt. For some reason this account is still displaying on my credit file and it should not be due to it being established through fraud or identity theft. It seems both the bureaus and collection agencies are violating the Fair Credit Reporting Act and the Fair Debt Collection Practice Act. The accounts in question are XXXX XXXX Acct XXXX  Bal {$400.00}, ICS  # XXXX Bal {$130.00}, XXXX XXXX # XXXX Bal {$440.00}, and XXXX XXXX {$150.00}. These accounts are all associated with identity fraud I have submitted supporting documentation for the 2nd time to the three major consumer reporting agencies to support my claim.
Product: Mortgage

My mortgage is non-escrowed. I pay my own taxes and insurance. However, in XXXX of XXXX around the same time Mr Cooper was experiencing a data breach my homeowner insurance canceled my policy and therefore I had to shop for my own insurance. I called Mr. Cooper to let them know that I needed to purchase new insurance, and they advised me to submit documents once the insurance was purchased. I did not get my own coverage until XXXX XXXX, XXXX so there was a lapse in insurance, but was told to at I could call and request the escrow be removed as soon as the insurance I purchased was updated and proof with new policy submitted to their website online. I have been calling to request the removal of escrow account since my insurance is now updated. However, they have not refunded the negative escrow account and customer service representatives refusing to let me speak to a supervisor to try and resolve this situation. Instead, they are changing my monthly payment to a much higher payment to offset the negative escrow that they purchased insurance for between XXXX XXXX XXXX XXXXXXXX. Thats approximately 3 months of lapse in coverage. I understand their policy, but I never agreed to change the loan to require a escrow account. I pay my own taxes and insurance every year. I have never sent any late payments. I dont understand what they arent willing to work with me and remove the escrow since I did my part and purchased my own insurance per the request of this mortgage lender. I have complied with all their rules, policies, and made on time payments. I am asking for the removal of the escrow account and to be refunded the difference of the insurance from the lender purchased insurance and the policy I purchased, which proper explanation of the escrow cant be removed. Originally this loan was not setup to have an escrow account. Now, Im being told something different, with no help from the customer service in the escrow or lender insurance department. I was told by their representative the only way to remove the lender placed escrow account is to refinance this loan. They can remove it, but are choosing not to. I will seek legal counsel and also I was a victim to their recent data breach, which caused me to not be able to get homeowner insurance and was denied insurance by several major companies. I was not offered any assistance by Mr. Cooper to be able to purchase my own insurance between XX/XX/XXXX XXXX XXXX, XXXX. Most companies did not want to do dealings with Mr. Cooper being my mortgage lender. I, the customer suffered great loss from the recent data breach cyber attack and am trying to fix my credit report on my own. Mr .

Cooper is unwilling to do anything to help me or try to work something out.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several negative entries on my credit report that I believe are in violation of the Fair Credit Reporting Act. The following accounts have been reported as charged off, late payment or collection accounts : XXXX XXXX charge off account XXXX XXXXXXXX charge off account XXXX XXXXXXXX late payment account XXXX XXXX XXXXXXXX charge off account XXXX XXXXXXXX charge off account XXXX XXXXXXXX charge off account XXXX XXXX XXXXXXXX collection account XXXX XXXX XXXX XXXXXXXX collection account XXXX XXXXXXXX collection account I believe that these entries are inaccurate and unfair, and I request that they be removed from my credit report immediately. I have made every effort to pay my debts on time and maintain a good credit score, but I have been faced with unexpected financial difficulties that have impacted my ability to make payments on these accounts. 

I understand that it is the responsibility of the credit reporting agencies to ensure the accuracy of the information they report, and I ask that they do so in this case. I also remind you that under the Fair Credit Reporting Act, consumers have the right to dispute inaccurate information on their credit reports, and to have that information corrected or removed. 

I respectfully request that you investigate the accuracy of the negative entries on my credit report and remove any items that are inaccurate or in violation of the law. If you find that any of the entries are indeed inaccurate or unfair, please remove them from my credit report immediately. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting, XXXX XXXX XXXX Account number XXXX has violated my right. 

15 U.S.C 1681 SECTION 602 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to ask you to reconsider my application for your XXXX credit card. I recently applied and I was rather surprised to receive a delay regarding my application. I believe I received a delay in processing due to XXXX still not removing a consumer alert, fraud alert, and other alerts on my credit report although I have asked them to numerous times.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of the credit bureaus have taken over 30 days to respond to me about investigations that I requested. I sent the request on XXXX XXXX, and have yet to receive a response.
Product: Credit reporting or other personal consumer reports

I noticed some incorrect information on my credit report, which falls under the jurisdiction of 15 USC 16c-2. This erroneous data is affecting my credit score, and I did not give permission for the inquiries listed.
Product: Debt collection

I have put in several disputes with XXXX  regarding a false debt against National Credit Systems for amount of {$3000.00} dollars. I have also sent in over several times my supporting documents to show the debt is false. This false debt continues to remain on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX a avp at XXXX Mortgage in XXXX of 2019 Accessed my bank account, credit cards, and rent using stolen accounts from people applying for mortgages at XXXX. I stopped working for the company back in XXXX and starting in XXXX he stole peoples information and use me and my information as a cover-up for fraud. He got into my bank accounts and credit cards doing test deposits and payments and when it cleared he went to XXXX and XXXX XXXX to commit bigger fraud. I was aware of the situation However I didnt know how bad it was until my bank accounts were frozen and credit cards canceled due to fraud. As the months went on I started getting updates from my credit report and banking institutions along with the police and feds About how deep the fraud went. I was cleared of all charges and capital one refuses to delete this credit card off my credit due to they keep confirming its my credit card which I never denied. But the fraud that was committed on my card and payments made fraudulently causing my cards to close I dont accept accountability for.
Product: Credit card or prepaid card

They keep charging a late payment of {$38.00} and a {$150.00} past due amount ... due to the payment not being made on before the XX/XX/XXXXof the month ... ..
Product: Prepaid card

On XXXX XXXX 2016 i had received and email from American Express Serve stating that my pin number was changed, right away i checked my account and i found that someone and transferred {$540.00} from my account to XXXX different accounts, I called AMEX Serve and made them aware of what just happened I went through the steps to re-secure my account IE : change my pin, email address and security question. They then told me same day ( XX/XX/2016 ) that my claim would be reviewed in 3-5 business days and I will have my money refunded. After the 1st 3-5 business days I called requesting a status, every single time ( on a recorded line ) they tell me I just have to wait they have a high volume of these complaints and it will take time. I continued to call every 3 days after no response on the status and every time it was the same story. On XXXX XXXX 2016 I receive an email stating they have closed my account because i was in violation of section 15-d??. I researched what this means and it basically states that i had no money in my account so they closed it and there is nothing anyone can do from this point. I withdrew all the money from my account because after all this back and forth stuff about me having to wait to get refunded the money that was stolen from me i was scared that money would be stolen as well. Now that they have closed my account my current paycheck will be direct deposited to that account and they will have complete access to that money as well, totaling {$1200.00}, I called AMEX Serve and they said " there is nothing we can do we are sorry '', I see your very sorry, needless to say I will be going to small claims court.