23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, All Three Credit bureaus : XXXX XXXX XXXX XXXX, XXXX, TransUnion, LLC, and XXXX were notified and informed that there is negative false Negative Public record information reported on my credit report and states it was reported by United States Bankruptcy Court XXXX XXXX of Georgia in credit files maintained under my Social Security number.

Upon reviewing a copy of my credit report, I see an entry listing false information obtained from an unnamed 3rd party on my credit report on XX/XX/XXXX. 
I challenged the accuracy, compliance and reportability of this listing and requested all three bureaus to validate this information with United States Bankruptcy Court XXXX XXXX of Georgia, and requested them to provide me with copies of any documentation associated with this account, bearing my signature and that the information furnisher is in fact the United States Bankruptcy Court XXXX XXXX of Georgia. In the absence of any such documentation bearing my signature and any information documenting confirmation from the United States Bankruptcy Court XXXX XXXX of Georgia as the reporting agency, I formally requested that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note they all had 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), including their Method of Verification. I did not consent to e-Oscar, PACER, or any means of automated verification.

I also received proof from the United States Bankruptcy Court XXXX XXXX of Georgia clerk 's office in which they confirmed that they do NOT furnish information to any third party, including the credit bureaus ( attached ). 

XXXX XXXX XXXX XXXX, XXXX, TransUnion, LLC, and XXXX   all completed Investigations and refused to delete this false information from my credit report after confirming the entry listing was information obtained from an unnamed 3rd party and reported on my credit report.
Product: Debt collection

Since a long time ago, this company Amigos Prstamos started calling me regarding 3 persons that I know from the place where I am from. First on them calls they name me by them names and then when I explain that I am not that persons, they start to explain me that they are looking for them and they ask me for let them know about the call. After tons of calls from this company and explain them that I dont have any contact with the persons that they are looking for, I ask them a lot of times to stop calling me and answers are if you want us to stop calling you, let that persons know about the calls and if they call us, we will probably stop calling you or we dont gon na stop till that persons calling us back My cellphone is a construction company phone number, I cant ignore any call that I receive and I have block tons of phone numbers of this company, but they calls from another numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never took out any loan with company or agency that the XXXX XXXX XXXX collects on behalf of. I was attending college at the Univ of XXXX when my GI Bill erred and did not pay for part of my tuition as it was supposed to. Rather than contacting me about the error, the Univ of XXXX  sent the debt straight to collections at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX <P/>I have tried to dispute this debt as being unfair under the FCRA. The XXXX XXXX XXXX  tells me that it doesnt have to comply with the FCRA and FDCPA since it is a state agency. The XXXX XXXX XXXX XXXX XXXX XXXX continues to report this as a collections account to XXXX  and TransUnion. <P/>Had the XXXX XXXX XXXX done the right thing and billed me before sending the debt to collections then I would have paid the debt in full immediately. <P/>I have tried to resolve this issue with XXXX XXXX XXXX on multiple occasion but was not able to. There is a XXXX balance on the account.
Product: Money transfer, virtual currency, or money service

My bank takes forever to send info I want them so send info faster
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian are XXXX  MY Social Security number. I have seen my scores decrease with absolutely no change in my credit. I have no collections and have not had any late payment in over a Year. I contacted each bureau and was told that there was no change to my credit to warrant a significant drop in my scores. XX/XX/2022 my XXXX score was XXXX. By XX/XX/2022, my score with XXXX was XXXX. By XXXX XXXX my score went up to XXXX. I watched my score decrease without NO Change to My credit. By XXXX XXXX my score had went down to XXXX down XXXX points. I called XXXX and was told that there was no change. XXXX has done the same thing. XXXX XXXX my XXXX score was XXXX. It went to as high as XXXX on XXXX XXXX. By XX/XX/2022, my score decreased to XXXX a change of XXXX points. I verified with XXXX that there had been no change to my credit report. These bureaus are keeping me from reaching lending criteria. Also, these credit bureaus have reported a fraud indicator to these companies that are preventing me from establishing credit. Every company I apply to is saying that my identity can not be verified and there is a risk of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I DO NOT HAVE A IDENTITY THEFT CASE OPEN OR PENDING. I DO NOT HAVE A SECURITY FREEZE ON MY SOCIAL SECURITY NUMBER. I DO NOT HAVE A FRAUD ALERT ON ANY OF MY ACCOUNTS WITH THE CREDIT BUREAUS. THIS IS EMBARRASSING AND DEFIMATION OF MY CHARACTER. I
Product: Credit reporting or other personal consumer reports

This is Several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these accounts ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the following incorrect information on my credit report. 

XXXX XXXX XXXX XXXX Balance : {$4500.00} ; ATTYGENERL XXXX Balance : {$4500.00}.
Product: Debt collection

On XXXX/XXXX/XXXX, Blitt and Gaines were awarded a Wage Garnishment against me .The total amount of the garnishment ordered by the court was XXXX and was started on XXXX/XXXX/XXXX. I have each pay stub that showed a deduction was made and for how much. On XXXX/XXXX/XXXX, I faxed my payroll company the final pay stub of the year for XX/XX/XXXX, XX/XX/XXXX and my pay stub dated XXXX/XXXX/XXXX which showed that as of XXXX/XXXX/XXXX, there has been a total of XXXX that had already been deducted and paid to XXXX and XXXX which left a balance of XXXX to satisfy the judgement. I faxed all the information to my payroll company on XXXX/XXXX/XXXX. Payroll contacted Blitt and Gaines and emailed me stating that according to Blitt and Gaines, I still owed them XXXX and payroll could not stop the garnishments until they received a Release Letter from Blitt and Gaines. On XXXX/XXXX/XXXX, another XXXX was deducted which now goes OVER the court Wage Deduction of XXXX. On XXXX/XXXX/XXXX, I faxed all relevant documents to Blitt and Gaines showing exactly how much they had already received and a copy of the Wage Deduction order and the amount and requested that they email myself and mail my payroll company a Release Letter as I have met the amount owed.I even included an exact breakdown of the date of check and amount deducted. I also requested proof as to the additional dollar amount they claim I still owed.To date, there has been no response from Blitt and Gaines, my pay checks are still being garnished even though I have now exceeded the amount mandated by the court. I have read many reviews on Blitt and Gaines and it appears that they make a habit of collecting well over the amount they are allowed and that is theft.
Product: Credit reporting or other personal consumer reports

All three credit bureaus, XXXX XXXX, Equifax and XXXX have failed to change XXXX account balance to XXXX. Pain in full. I have requested that XXXX send updated information to which they have refused. My loans were transferred to XXXX and now XXXX and XXXX are reporting a balance of XXXX a total of XXXX. I only owe XXXX.
Product: Student loan

I constantly get spam calls regarding my student loans. Today, I received a voice message at XXXX XXXX from XXXX-XXXX-XXXX  from XXXX XXXX from Navient. She claims that due to a settlement, my student loans are eligible for forgiveness. ( Navient is not my loan servicer ). For completeness, I called Navient and confirmed that they do not offer loan forgiveness over the phone ( obviously ). I wanted to file this report so vulnerable others are lured into this deception.
Product: Checking or savings account

To whom it may concern, I hope that this message finds you well.

I am writing to you about an extremely unpleasant experience that I encountered while banking with Chase. On XX/XX/year>, my Chase account was frozen and later permanently closed due to potential fraud ( someone was trying to use my XXXX to send money ) .I was not informed of the closure and had to find out by going into a branch. 
The local banker helped me to submit the request to issue the check with the refund in XXXX and was told the check would arrive in early XXXX. However, the check did not arrive. We followed up with the banker, she followed up and told us that we could expect the check late XXXX or early XXXX. Well, that did not happen. Meanwhile, I called Chase customer service agents 5 to 6 times, each time I got a diffrent answer. 
We followed up again in XXXX, and the banker also called the back office again and was only told that the account was still under legal review & that there was no timeframe as to when the check will be issued. 

In a last ditch of effort before submitting this complaint to CFPB, I wrote an email to XXXX XXXX, the CEO of Chase, JPMs retail arm in XXXX, hoping to raise urgency and awareness to this matter. Unsurprisingly, no one has read/responded the emailIts already XXXX, and I am still waiting for the check This has been extremely inconvenient and time-consuming for me and for the local banker, for the issue has dragged for almost 6 months. Therefore, I wanted to reach out to CFPB and see if you can help me to resolve this issue. 

I do not have information of my exact remaining balance since my account has been closed. I could not log into my account either mobile app or online. 

I greatly appreciate your help in this matter.
Product: Credit card or prepaid card

I was reported 30 days late by Target Redcard. Never received anything from them, paid bill off completely when given a notification from a credit monitoring service. Have never been late on a payment ever. Called and claimed that they launch an internal investigation. They then admitted that they didnt even have my correct address of file for correspondence ( other than email statements ). I dont believe that a reasonable person would evaluate the foregoing situation and deem my acts as negligent. Im attempting to repair my credit after this, and it seems malicious to not extend one mulligan to a customer with, up until this point, perfect credit. Their internal investigation is a joke.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been sent documents to verify identity for dispute purposes. I have several inquiries on my report that I did not initiate and I have submitted multiple disputes about these inquiries. I initially submitted the request in XX/XX/XXXX and followed up in XX/XX/XXXX and again XXXX XXXX. There have been no results of the investigation or any acknowledgment of the requests. I have two accounts ( XXXX XXXX XXXX & XXXX XXXX XXXX XXXX that were deleted from my credit report in XXXX and I just found out recently that the accounts have been reinserted and there was no kind of notification from Equifax that these accounts were reinserted as required by law. I have made multiple calls to Equifax and have attempted to resolve over the phone and online but I am unable to get assistance because they say they can't verify who I am. I have sent in multiple verification documents and still no results.
Product: Bank account or service

I have been a customer of XXXX since XX/XX/XXXX ( encouraged to open accounts due to a mortgage refinance solicitation that required " all '' accounts be moved to the bank as a condition of the loan ). XX/XX/XXXX, I noticed on the Bank web site that it was being acquired by Iberia Bank. However, I received very little in the way of substantive information about how the acquisition would affect my accounts or banking relationship. In fact, in advance of and since the acquisition, I have receive NO new terms or conditions relating to my accounts or services, such as my Bill Pay service. Only after the acquisition took place did I learn that I would no longer receive bills from third parties through my Bill Pay service ( after several bills were not delivered and payments were late ). To date, I am still trying to correct delivery issues with the billers due to difficulties with the prior bill delivery requests made by XXXX. I have not received debit cards for my accounts. Apparently my account terms have changed now requiring minimum balances and I am being charged service fees ; however, I did not receive advance notification of these changes to my accounts. I also was informed ( after the fact ) that the bank routing number and account numbers were changing and that I was responsible for notifying billers who drafted payments from my account. I have requested new checks for my account, but the Bank has never delivered them. I have reported all of these issues to the Bank on at least 5 occasions, by telephone and in person. On at least two of these occasions, I requested a return call from the private banker who opened the accounts initially. I never received a return call. I was told on at least two occasions by representatives from the Bank that the transition has been challenging, that other customers have complained, and that other customers did not receive communications about the transition. I also was promised that the service fees removed from my accounts would be replaced. They have not been. Finally, after my last call to the Bank expressly frustration about the Bank 's failure to correct any of the issues that I had complained about, I finally received a call from the private banker, who threatened to unilaterally close my account for " berating '' the bank employees ( in other words, complaining about legitimate service failures ) and thereby causing other business disruptions to my personal finances. Now, I have left two additional messages with the same private banker to address issues with my account and I have received no return call.
Product: Checking or savings account

In Wednesday XX/XX/2023 chime allowed an app called XXXX to take XXXX XXXX from my account.I called their hot line talk to some one that I couldnt understand. I open an investigation in to it thru chime. After about a couple of days they credit my account which was in the XXXX of the same month. On XX/XX/XXXX I got an deposit from my job. It was missing and couple of XXXX not alone the XXXX dollars the credit my account. I call more then 20 times. The said open another investigation which I did. On XX/XX/XXXX after they had to close the first investigation which was crazy. After that the next day I received an email saying basically they not giving me my money back that money was to pay bills that I could things I needed to get for my kids
Product: Credit reporting or other personal consumer reports

Complaints regarding XXXX XXXX inaccurate reporting were submitted to the CFPB on XX/XX/XXXX ( # XXXX and on XX/XX/XXXX ( # XXXX ). XXXX XXXX has provided a response ; however, the response is insufficient. The response from XXXX XXXX does not provide an explanation for the concerns raised in the complaint ; specifically, an explanation as to how late payments incurred in XX/XX/XXXX and XX/XX/XXXX after the account was closed and had a {$0.00} balance in XXXX and XX/XX/XXXX. 

Accordingly, I continue to dispute the inaccurate reporting of two late payments being reported by XXXX XXXX. I am again requesting an explanation as to how an account that was closed, with a {$0.00} balance for several months could owe a minimum payment on the account, several months after the account was closed. If XXXX XXXX is unable to sufficiently explain this issue and address this concern with factual information and adequate supporting documentation, then the inaccurate, derogatory information must be removed in accordance with Federal guidelines. 

In a letter dated XXXX XXXX XXXX indicated the following, In regard to the delinquencies that have been reported on your account, our records show the following billing and payment activity : On XX/XX/XXXX, the account billed with a minimum payment of {$20.00} due by XX/XX/XXXX However, what XXXX XXXX fails to acknowledge is that the minimum payment due by XX/XX/XXXX is where the inaccuracy begins. 

XXXX XXXX also fails to acknowledge that, per their own records, the balance on the account as of XX/XX/XXXX was - {$75.00}. As a result of adjustments, albeit inaccurate, as of XX/XX/XXXX the account balance was {$0.00}. At that point, the account was already closed ; therefore, after the account was closed in XX/XX/XXXX and the balance on the account was showing {$0.00} in XX/XX/XXXX, no additional charges could have been made by the cardholder. Therefore, there should have been {$0.00} minimum payment due by XX/XX/XXXX. There was no balance on the account to owe a minimum payment on. 

XXXX XXXX failed to provide any statements between XX/XX/XXXX and XX/XX/XXXX to support their assertion that the account had an outstanding balance which would have required a minimum payment due in XX/XX/XXXX. 

Therefore, XXXX XXXX reporting of late payments in XXXX and XX/XX/XXXX are inaccurate. The continued reporting of inaccurate, derogatory information is a blatant violation of Section 623 of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

This collection is on my credit report but I never received a 1099C for this charged off debt. provide me with 1099C to accurately reflect this as a charge off for tax purposes and update or delete immediately. Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having serious problems with Experian. It appears that someone has created an " Experian Account '' without my knowledge and this is preventing me from creating/ accessing my credit information from Experian as well as addressing fraud contained in my credit report. I have phoned them numerous times in attempt to address this problem. 
1. All calls to Experian are routed to another country outside of the United States. 
2. There appears to be a severe language problem in that Experian representatives read from a script and don't respond adequately to questions or attempts to resolve the problem. 
3. I am consistently being told that the information I am providing about my personal identity does not match what they have on file. They have told me that they have my name spelled differently than my true legal name Instead of XXXX XXXX, they have XXXX XXXX. Thus, they advise me to call back in 72 hours and they will attempt to " verify me '' again. I have attempted this no less than 5 times. The issue is never resolved and when I request to speak to management, I am placed on hold in excess of 45 minutes only for the call to be answered by another representative with a strong XXXX accent that can not resolve my identity problem until another 72 hours passes. As I have been a victim of identity fraud previously, I am very concerned that someone has created a profile with Experian utilizing my social security number and my slightly misspelled name. Experian has made no effort to resolve this problem. They don't appear to have a United States based office or representatives that are able to clearly understand the English language or the seriousness of this identity issue. I need to know who has created this account, how my information has been used by this fraudulent entity and I need to be able to create and access MY Experian account to resolve fraudulent issues that are impacting my credit.
Product: Mortgage

This business is practicing " looping '' of automated responses to their customer service phone line. I had to navigate through an incredibly excessive amount of pre-recorded content, much of which was repetitive. I also had to continually choose options from an endless amount of " sub-selections '' when routed through the phone system. It took approximately 6 minutes just to navigate through the phone system to speak with a customer service representative ( not counting hold time once I was routed to correct department ). 
This business practice makes it burdensome for the consumer to reach a customer service representative to the degree that it reflects impropriety on the part of Specialized Loan Servicing. Consumers should be routed through no more than one or two informational menus before reaching a customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided XXXX, TransUnion, and XXXX with multiple police reports, FTC identity reports regarding fraudulent accounts on my credit report. After investigations its always saying verified as accuratebut nothing is being furnished on how it was confirmed. My identification documents have been compromised and most of these accounts are completely online. I think these companies are not adequately investigating these disputes or not weighing the evidence providedinstead they are just taking the company word for it. This has been an ongoing Situation for 2 years now and have even got to where they are forwarding my mail and intercepting mail. This have been verified by USPS and explains how they was able to get credit cards delivered to my address without me seeing it.
Product: Checking or savings account

On XX/XX/year> I had a unauthorized charge from XXXX XXXX XXXX. TD Bank gave me provisional credit on my debit for a service from XXXX XXXX XXXX i never activated and sent back the XXXX & XXXX equipment back and got receipts TD Bank decided to take away the credit they gave me on my debit card for no reason they reversed it on XX/XX/year> this is not right it was {$130.00} i want my money back i never paid for this XXXX XXXX XXXX service
Product: Credit card or prepaid card

I have sent in legal tender multiple times and Citicard accepts the special deposit, then they reverse the credit and do something called " private placement '' because I didn't send them a " registered security ''. In doing so, Citicard fell out of honor, and in an attempt to correct the situation I sent them a {$100000.00} registered security. Citicard just stole that as well, and did NOT apply anything to the account. 

I sent them a U.C.C. 1 claiming the contract. 
I sent them a U.C.C. 3 assigning Citicard to perform I sent them a Bureau of Fiscal services form 233 giving them POA to receive and apply payments I sent them a hand written letter explaining the facts. 

I have yet to come to a resolution, I lay this situation at your feet.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX 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.