23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

There has been a judgment on my credit report from XXXX XXXX that I 've always assumed was mine since I originally had a XXXX XXXX Card. I 'm in the process of buying a house and pulled my credit report and there was another collection from XXXX XXXX. I called the collection company and verified that was actually my account and paid it. I then called the company in charge of the judgment and found out that the social security number does not match my name. I contacted XXXX XXXX who admitted that the account was fraudulent and that they will have it removed but it 's still on my credit report. I 've always indicated that I 've only had XXXX XXXX XXXX account so I would like them to clear this up and take this off my credit report.
Product: Checking or savings account

On XX/XX/XXXX, Sunday, XXXX, I was notified by private money app called XXXX XXXX that there was a large transaction on my Truist account. I immediately went to my Truist app and investigated the charge and was found to have a charge from XXXX for over {$1000.00}. I immediately called Truist and had my debit card canceled as I had not purchased anything from XXXX. Truist would not halt the payment and stated I had to wait until the transaction was posted to file a fraud claim. On Wednesday, XX/XX/XXXX the charge posted and I filed a fraud claim with Truist. On XX/XX/XXXX. I was notified by Truist that they denied my claim and then went into my local bank of Truist, and the Truist representative in the office was able to inform me that it was obvious fraud because someone had also tried to use my card on XX/XX/XXXX and XX/XX/XXXX, this was the card that had been canceled. The Truist rep and myself also contacted XXXX that day, and XXXX would not give any information to us without a warrant. The following week I filed a police report with XXXX XXXX police department. 
I also appealed the denial through Truist. No fraud department personnel has ever contacted me by phone or asked any questions. The local branch Truist representative did turn in proof that someone had attempted to use the canceled card for two days after it had been canceled. 
On XX/XX/XXXX I was notified that Truist once again had denied my appeal for the fraudulent charges on my account. I reopened a new fraud claim with Truist which has also now been declined again. Again no representative Truist has tried to reach out to me nor the police department, nor XXXX to confirm that this was indeed true fraud. I have never bought an XXXX through XXXX because I have a XXXX carrier and that is where I buy any XXXX phone. 

Also, the first fraud claim was denied because there was a {$.00} charge to XXXX and I quote that means I had a relationship with. to appeal the first denial, the Truist fraud department had to attach the {$.00} charge from XXXX to that claim to appeal the claim. So on XX/XX/XXXX when I received the letter from Truist that they approved the {$.00} charge but no one ever addressed the {$1000.00} charge which was the original complaint. 

It is obvious to me that Truist has hired people that are not local, nor have any control, nor any intent to refund true fraudulent charges. I do not know who ordered an XXXX XXXX XXXX, I do not know where it was delivered, I dont know whose name was on it. I never had any communication with XXXX, nor approval of a transaction for an XXXX XXXX purchase. Someone stole my information used my information and Truist Has not protected me or my account or my money. 

Again, Truist has not had anyone from the fraud department contact me via phone as I was told they would multiple times. The only communication I ever received from Truist were automated emails that said do not reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been a victim of fraud and identity theft i been trying to fix this for a while with the creditors and there crdit cards banks card and retail card that been open for years o been trying to resolve all this round a round i get from this companies that say theres nothing open. I done reports of this online abd still don't get resolved..
Product: Money transfer, virtual currency, or money service

Cash app did not have a live representative for anyone of that nature to speak to regarding any conflicts I have with other consumers they were not handling people 's claims correctly or refunding us any money
Product: Credit reporting or other personal consumer reports

I DONT AUTHORIZE THESE INQUIRIES, PLEASE REMOVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

no contract with XXXX as this account was sold to action financial services. I contacted the bureau and they responded with I need to contact XXXX. I advised them I did contact XXXX and was told no account was found. They advised me it will stay on my report even though I do n't have an account with them and its reporting a negative status on my report monthly keeping me from being able to purchase a home. I 've spoken to several reps without assistance. This is clear they did n't properly investigate my concerns.
Product: Vehicle loan or lease

I have a 2nd job to pay my bills and due to the COVID 19 my income has been drastically reduced. I am asking for a deferred payment to the back of the loan. the servicer flagship cr acceptance is wanting to charge me during the non pay of interest. this is highway robbery. taking advantage of the situation. I am so upset right now. I can barely think.
Product: Checking or savings account

I AM FURIOUS WITH CHASE BANK. I RECENTLY GOT APPROVED FOR THE SBA EIDL DISASTER LOAN, AND THEY ARE HOLDING MY MONEY  XXXX, THEY FROZE MY ACCOUNT AND ARE NOT RELEASING THE FUNDS WITHOUT AN EIN NUMBER. I EXPLAINED NUMEROUS TIMES THAT I AM A LICENSED ESTHETICIAN AND I AM SXXXX XXXX, I QUALIFIED FOR THIS LOAN AS A XXXX XXXX INDIVIUDAL I DO NOT NEED AN EIN NUMBER TO OPERATE, THEY ARE MANDATING AND MAKING THEIR OWN REQUIREMENTS WHEN THEY ARE NOT THE ONES ISSUEING THE LOAN, ABSOLUTELY RIDICULOUS. I NEEDED THIS LOAN BECAUSE OF THE ECONOMIC DISASTER, AND I LOST SO MUCH BUSINESS BECAUSE I HAD TO CLOSE DOWN AND COULD NOT WORK SINCE I AM CONSIDERED NON ESSENTIAL AND BECAUSE OF THIS I AM PAST DUE ON MY RENTS MY BILLS. THEY ARE SO INCONSIDERATE AND ARE NOT EVEN WILLIGN TO LISTEN, THEY ARE REPEATING THE SAME THING LIKE A ROBOT AND ARE REFUSING TO RELEASE MY FUNDS WITH THEIR OWN REQUIREMENT THAT THEY MADE UP. IF SBA IS NOT REQUIRING IT AND THEY ARE THE ONES WHO DETERMINE ELIGBILITY WHO ON EARTH IS CHASE TO MAKE THEIR OWN REQUIREMENTS AND HOLD  MY MONEY XXXX.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian regarding multiple unresolved and inaccurate items on my credit report. These errors include incomplete and inconsistent reporting, as well as an unverifiable bankruptcy record. Despite previous attempts to dispute these items, they remain uncorrected. Below are the details of the items and reasons for my complaint : XXXX XXXX XXXX XXXX XXXX XXXXccount # XXXX : Monthly payment amount discrepancy : Experian lists it as {$1100.00}, whereas XXXX reports {$1300.00}. 
Balance discrepancy : Experian reports {$140000.00}, but XXXX reports {$140000.00}. 
Dates not current : Last reported date is XX/XX/XXXX, and last activity date is XX/XX/XXXX. 
Incomplete two-year payment history : On-time payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX through XX/XX/XXXX are missing. These errors render this account 's reporting both inaccurate and incomplete. XXXX. XXXX XXXX XXXX XXXX XXXXXXXX : A late payment is reported for XX/XX/XXXX. I request that Experian contact the original creditor and verify this information. If it can not be verified, the late payment must be removed to reflect an on-time payment. XXXX. XXXX Account # XXXX : Experian reports a 30-day late payment in XX/XX/XXXX, but XXXX shows XXXX as on-time for the same month. This late payment should be corrected to reflect on-time. XXXX. XXXX XXXX XXXX Reference # XXXX : Experians response dated XX/XX/XXXX, stated, The company that reported the information has certified to Experian that the information is accurate. However, Experian failed to provide details about its investigation procedures, including : -The date the furnisher was contacted. -The person who verified the item. -The method of communication used for verification. -The personal information the furnisher used to confirm the public record 's accuracy. I demand the immediate and permanent removal of this bankruptcy record due to Experians inability to validate it properly. XXXX. Unrecognized Inquiries : The following inquiries are unauthorized and must be removed from my credit report : -Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681 ( 1 ) XXXX XXXX XXXX. XXXX ( 2 ) XXXX XXXX XXXX. XXXX 15 U.S.C. 1681 section 602 A. states I have a right to privacy 15 U.S.C. section 604 A it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c Section ( a ) ( 5 ) states no consumer reporting agency may make any consumer reports containing any of the following items of information.Any other adverse items of information other than records of convictions of crimes which antedates the report by more than 7 years 15 U.S.C.1681 section 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency, if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Checking or savings account

They froze my account saying that there was odd actions being taken on my account then they said they needed verification that it was me so I sent them pictures of my ID front and back as asked it in a picture of me with my ID and the date of the picture and they still wont release my funds to me
Product: Student loan

Called MOHELA to determine what my monthly payment would be after switching to the SAVE plan. The website and mobile application say my payment due was {$79.00}. The letter received confirming my auto debit states that my monthly payment is {$570.00} and is due on XX/XX/year> ( the correct amount ). I called and spoke to a representative to confirm which of the listed payment amounts is the correct amount. They were confused and said the {$79.00} but the system also shows {$570.00}. Rep stated that the amount will be auto debited on XXXX. No auto debit was taken on XXXX and I checked throughout the day. I made a manual payment on the mobile app on XX/XX/year> but it would not let me change the payment date to XX/XX/year> and would only accept XX/XX/year>. This in turn makes my payment late and my account deliquent. I have screen shots of the payment being made on XXXX. 

When I was making the payment it also gave me a warning that an auto debit was in place and any payment I made would be treated as an extra payment. I still made the payment because there was no payment pending on auto debit. 

Trying to speak to someone on the phone and after the 8-10 minutes it takes to be forced to listen to the options menu and resources being shared, the wait time to speak to someone is over an hour.
Product: Credit reporting or other personal consumer reports

I recently got a copy of my credirt report and noticed several inaccuracies on my account. I'm requesting that Experian and Transunion investigates these accounts for me to ensure accuracy, I've listed the accounts in question below. 

Name : XXXX XXXX XXXX. 
Account : XXXX Name : XXXX XXXX Account : XXXX I've attached my ID, copy of my SSN card and paystub to verify my identity and address
Product: Credit card or prepaid card

XXXX sent their company to get defective item on XX/XX/XXXX and issued a refund of XXXX on XX/XX/XXXX to my PayPal debit card. I then called PayPal to ask where my refund was at and they kept giving the runaround and closing my case without telling me where my refund of XXXX went. It is now XX/XX/XXXX and I still have not received my refund yet on my PayPal account. XXXX XXXX provided me with an invoice transaction of the refund showing that the refund was processed successfully to PayPal in the amount of XXXX on XX/XX/XXXX but PayPal is still refusing to do anything. I need to know where my funds are now and need my refund now.
Product: Credit reporting, credit repair services, or other personal consumer reports

We had an account with XXXX and we purchased XXXX phones for our business then their employee XXXX came to our place of business " to help us with our new phones '' which she ended up stealing. ( see police report ) XXXX later admitted to us that their employee XXXX stole about XXXX phones from them and that she had a warrant for her arrest. XXXX knew their employee had a previous record yet they had her work with the public and steal our phones. 
Now they are trying for me to pay for them ( see police report ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I mailed certified letters out to XXXX, XXXX XXXX, Equifax, and XXXX requesting them to remove Dept of Ed/ XXXX XXXX XXXX in the amount of {$170000.00} off my credit report. I only heard back from XXXX but they did not provide the original indebtedness in its original form. 

( I am disputing this account according to the FCRA for reporting incorrect account numbers not matching with only one open date. ) I've asked them to provide me with the original instrument of indebtedness in its original form. There is no original contract or no original { INK } signature.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, has violated my rights. 

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 15 U.S.C 1681c. ( a ) ( 5 ) 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 crimes which antedates the report by more than seven years.

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.
Product: Credit card

This is not the first time this happens. I call in to make a payment ( because they no longer allow me to access my account online ). Multiples calls ; multiple days, same result after 2-4 minutes of waiting after being " transferred to someone that can help with my request. '' XX/XX/24 XXXX x XXXX XXXX XXXX mins XXXX seconds and XXXX XXXX minutes XXXX seconds XXXX XXXX pm XXXX minutes XXXX seconds
Product: Debt collection

Westlake Financial is trying to collect on a debt that was paid off in a sale of the vehicle that I voluntary gave back due to them asking me a lemon. They are reporting this on my credit report and I am just now see it on my credit report four years later. It is pass the Statue of limitations for the State of California. 
The amount they are stating I owe is {$630.00} For 2012. For a XXXX XXXX XXXX.
Product: Checking or savings account

XX/XX/292023 Citibank will not give me my money which is {$870.00} out of my account. They have placed a hold on my account and will not release the funds. This is completely against the ball and theyre stating that its fraudulent and there had to do a letter by mail. This is absolutely illegal and something needs to be done.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted numerous letters requesting for this account to be investigated and it was not. My recent letter dated XX/XX/XXXX was sent certified and the account was never investigated nor was it corrected. I demand deletion of these accounts. 

XXXX is reporting XXXX XXXX XXXX as a factoring company and stating that I owe them a loan amount of {$640.00} for account XXXX and {$460.00} for the same account number they are reporting. 

XXXX states on their report XXXX XX/XX/XXXX comments " account information disputed by consumer ( meets the requirements of the fair credit reporting act. ) I then submitted my dispute with them same day and now they are reporting the account as a factoring account with a loan past due with balance. I've attached copies of the XX/XX/XXXX report and XX/XX/XXXX report for you to review. Per the FCRA and FDCPA I demand these items get deleted from all credit reporting agencies. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The car was paid off in full but instead of it helping my credit my score dropped XXXX points
Product: Money transfer, virtual currency, or money service

I was informed by the U.S. Department of Education that no action was taken by XXXX on my behalf to cancel my student loan debt by applying for the XXXX Discharge Program. I was additionally informed by Department of Education the application to this program is provided free of charge by XXXX, an arm of XXXX. The aforementioned company XXXX ( XXXX XXXX XXXX XXXX. ) charged my bank account {$240.00} on each of the following dates : XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19 and XX/XX/19.
Product: Debt collection

Frost- Arnett company Account number is XXXX master number is XXXX my balance is XXXX. 

I made arrangments with them to pay XXXX a month and i have been online for a while now on their website, however they made a change when i tried to pay them the XXXX i was paying, the website would only accept a higher amt like XXXX and i could n't pay that at the time, also i did send in my payment by mail for XXXX dollars. I think the broke FDCPA law because they asked for a higher amt to pay online and when i tried to pay the XXXX the website wouldn '' t accept it. ALso because ofthis it was placed on my credit report when i was making payments i dont't think that is right. I have made a agreement and it wasnt honored. that upset me as a consumer. I would like for this matter to be handled. I dont have a issue paying my debt just dont like the way the website forced another amt on me. and had to get a stamp and send a payment.
Product: Checking or savings account

Debit card info was compromised, Chime bank will not provide provisional credit for unauthorized charges. Police report is filed and email with merchant stating charges were unauthorized and the merchant account is frozen. They missed a transaction and i had to file XXXX disputes ( dispute XXXX and dispute XXXX XXXX Smaller dispute was approved and bigger XXXX was denied multiple times
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention certain discrepancies in my credit report provided by Experian, which require your immediate attention and resolution. On XX/XX/XXXX, I initiated contact with Experian regarding these issues, but to date, I have not received a response. The inaccurate information pertains to the following accounts : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Reported Balance : {$1500.00} I believe that the reported balance is inaccurate, as I remember it being lower. Furthermore, I request that the Past Due amount be deleted from the report since this account is closed and charged-off. Given the impact of this information on my credit score, I kindly ask you to mark this account as disputed to prevent further negative consequences. 

XXXX Date Opened : XX/XX/XXXX Reported Balance : {$7500.00} The reported balance for this account does not align with my recollection, and it is adversely affecting my credit reputation. I urge your agency to review the Past Due information since it is inappropriate to list a Past Due amount for a closed and charged-off account. This discrepancy has likely contributed to a drop in my credit score. I request that you mark this account as disputed to mitigate further harm to my credit. 

XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Reported Balance : {$1500.00} I am concerned about the accuracy of the reported balance for this account, as it appears higher than I recall. As this account is indicated as closed, the inclusion of a Past Due amount is misleading. I intend to address this issue directly with the creditor but request that your agency marks this account as disputed during my efforts to resolve it. 

XXXX XXXX  Date Opened : XX/XX/XXXX Reported Balance : {$2100.00} I have reservations about the reported balance for this account, as it appears excessively high compared to my recollection. Since this account is marked as closed and charged-off, the inclusion of a Past Due amount is inappropriate. I am in the process of clarifying this matter with the creditor and, in the interim, request that you mark this account as disputed to prevent further harm to my credit score. Additionally, I request verification of the Date Opened, Date of Status, and First Reported for this account.