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

I have reached out to the three different credit bureaus for them to update my address correctly and they still have not completed this information. I have sent in numerous documents to correct my address and they have refused to change it.
Product: Mortgage

As a result of a XXXX injury ; I am unfortunately faced with financial hardship which encompassed having difficulty in paying for my daily necessities, medical bills and various other financial obligations. This hardship came unexpectedly and even with the use of my wife 's income and the financial assistance of family members ; I simply ca n't make ends meet. After seeking medical treatment on XXXX from several doctors ; I was diagnosed with XXXX XXXX XXXX. Unfortunately, the XXXX needed was not available on XXXX I had no option but to seek medical treatment in the XXXX. I was seen at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX. <P/>There I underwent numerous evaluations that included the following : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and an XXXX XXXX. ( The medical receipts have been included with this packet ). I was XXXX during the preparation as well as after the XXXX for several days. From there ; I was given clearance to be discharged and allowed to return to the hotel. I was however ; prohibited from leaving the country for an additional week due to possible XXXX. Upon returning to XXXX, I presented the XXXX XXXX XXXX the doctors approval to return to work. <P/>As of XXXX 2017, I have returned to the job however ; my salary was reduced significantly. <P/>Due to the situation I fell behind 7 monthly payments ( {$12000.00} ). Since my reemployment I have been making regular monthly payments ( {$1800.00} ). Bank of Hawaii 's resolution was to lower the monthly payments for a period of 3 months and at the end of the 3 month period ; I had to pay in full for the entire 7 months owed in order to avoid foreclosure on my home. They also offered a second option of paying double each month to catch up with the payments. I have informed them that this was an impossible task as I do not have the required funds. <P/>I would greatly appreciate any and all assistance or guidance you have to offer that would assist me in keeping my home.
Product: Debt collection

I have received numerous phone calls on my cell phone and home phone from the following phone numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX among many, many others! Upon researching these numbers I found that they belong to Portfolio Recovery Associates, XXXX XXXX, and XXXX XXXX XXXX. They never leave messages. They just continue to call from different numbers to deceive people into answering their calls. I have no idea why they would be calling. When you call the numbers back you are placed on hold forever.
Product: Credit card or prepaid card

On XX/XX/2023 I went to XXXX store number XXXX address XXXX XXXX XXXX XXXX Alabama XXXX to load {$300.00} on to my chime card. The lady made me swipe my card twice cause she said it didn't work the first time. At XXXX {$500.00} was deducted from my account for " adjustment ''. At XXXX the {$300.00} was deposited into my account. I have contacted chime and XXXX and no one is helping me to resolve the issue. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wallet was lost and my identity was used to open different accounts in my name.I was notified by XXXX XXXX XXXX XXXX about suspicious activity to my account. Upon talking to them I was told about the actions of the perpetrators who was using my name they open a XXXX  account they also open a XXXX leasing account as well as different telephone companies such as XXXX XXXX XXXX XXXX and XXXX XXXX I was contacted by different collection agencies and I also couldnt contacted XXXX and XXXX and XXXX with the knowledge that was given to me to the collection agencies also have accounts for XXXX And they also opened up telephone accounts with XXXX XXXX and XXXX in my business name I would like you to take a look at it is matter so we can get it resolved as quickly as possible to restore my name back to good faith
Product: Bank account or service

On XX/XX/2016 while checking my account I found out that there was an unauthorized XXXX $ withdrawal in my account, it was used to pay a Credit Card that was n't mine. I immediately proceeded to make a complaint and got a complaint number ( ticket ). I got my online account disabled. The XXXX $ were then added as a credit note while they made their inquiry. Then, while they were in inquiring, XXXX more unauthorized withdrawals were made ( XXXX $ and XXXX $ ). I immediately called again to report the situation and asked for a complete bank account and cards blockage. They made another XXXX credit notes. Those last XXXX credit notes are still waiting to end it 's process. 
Then, the Bank told me I HAD to travel back to the United States to open a new bank account. I made so and spent about XXXX $ on airplane tickets, hotel, food and transportation inside the U.S.A. to get my bank account back and being able to use online banking again. 
The problem is that I told the manager of the XXXX XXXX XXXX XXXX XXXX, XXXX, FL agency the situation about all the money I had to spend traveling to the U.S.A. and he told me that, according Chase 's Bank Policies, those expenses are on me, but the fraud or scam was n't imputable on me, it 's not my fault.
Product: Credit card or prepaid card

I opened up a credit card account with Bank Of America 13 years ago as a college student. I used the credit card for years, but in the past few years I've used it less and less. I maintained a XXXX or near XXXX  balance on the credit card for the past year. Without warning, Bank of America recently closed the account due to " inactivity '' citing that they have the ability to do so within the contract. Since this is my oldest credit card accounts, my credit has been negatively impacted. The timing could not be worse as I'm in the process of purchasing a home. When I called to see if the account can be restored, I was told that closing of the account could not be reversed. 

I'm now in jeopardy of no longer qualifying for a home mortgage due to the negative impact on my credit score from a credit card account in which I had a {$0.00} balance.
Product: Checking or savings account

Us bank on XXXX XXXX in downtown XXXX XXXX took my check after they said they deposited it and then closed my acct. 
I was accused of taking a Bluetooth speaker that was sitting on their counter in which I did because I was fiddling with it and accidentally took it with me. 
This happened Friday at XXXX, I was there Monday at XXXX am to return it to find out they took my work check and closed my accts. The branch manager XXXX was awful.
Product: Debt collection

Today XX/XX/XXXX at XXXX CST I was contacted by XXXX XXXX XXXX  of XXXX KS XXXX. I had received approximately XXXX calls from a phone I did not recognize for the past 24 hours. Their persistence caused me to answer to the last call. Upon answering and the original representative repeatedly stating it was for. Personal business matter and not an attempt to collect a debt I was skeptical. The representative had my name and birthdate and didnt identify a company until I demanded the name of his employer. This was disconcerting as again he kept saying regarding a personal business matter and never an attempt to collect a debt. I disconnected that call then looked up the company obtained the XXXX number and called them. Another representative then advised this is an attempt to collect a debt. I was shocked as I use XXXX XXXX to monitor my credit and about cleaning my credit up in XXXX. I hadnt opened any new accounts or went delinquent on any account. This representative then advised that I owed approximately {$230.00} or so for a payday loan owed to Advance America. I was shocked at the last communications I had this company was in XXXX. Since Ive receive a copy of my credit report at least once per year from all three bureaus and have never seen an entry from this company. I informed the representative that if this debt was indeed valid at XXXX point in time it isnt actionable at this point as it is beyond the 6 year statute of limitations for collection debt in Tennessee pursuant to Tennessee T. C.A. 28-3-109. I reside in Tennessee and only dealt with Advance America inside of Tennessee. The representative then advised me that she could still collect this zombie debt and could use the the credit bureaus as a recourse.
Product: Credit reporting

Awhile back I believe I talked to Trans Union or one of those credit companies because I saw a huge drop in my credit score. I received my entire report over mail and then I noticed everything was in good standing. Could you please tell me why my credit score dropped? 
" 1. DEROGATORY PUBLIC RECORD OR COLLECTION FILED Your credit report shows a derogatory public record ( such as a bankruptcy, foreclosure, civil judgement or tax lien ) or collection which is generally more risky to lenders. Note : A satisfied public record or paid collection will remain on your credit report for 7-10 years. '' This is what XXXX XXXX told me is one reason why my score is not good. Along with that I keep opening new accounts rather than stay with one company. I do not like that. I like having no APR for a year and I think I should not be penalized for opening new accounts with different banks when I pay them back.
Product: Debt collection

My name is XXXX XXXX. On XX/XX/XXXX, a new account was added to my credit report by AMSHER COLLECTION SERVICES for {$1100.00}. I have no knowledge of this account so on XX/XX/XXXX, I disputed the account online with XXXX and XXXX. I have disputed this account twice and it still hasn't been removed. I contacted the collection agency today to dispute the account and the representative stated, which I also have a recording, that the account was opened on XX/XX/XXXX, and the last payment was made on XX/XX/XXXX. But looking at what's on my report it's showing no payment history in XXXX at all. So I do not understand what's going on. Seems that the collection agency doesn't even have knowledge of who the account belongs to being that the dates she stated over the phone don't even match up to what's reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please fix the account : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting a complaint today to inform you that I have been a victim of identity theft. After researching how to remove the fraudulent items from my report, I found that I need to visit the Federal Trade Commission ( FTC ) at https : //www.ftc.gov to file a report. According to FCRA Section 605B, credit reporting agencies are required to remove any items listed in an identity theft report. Please find the attached documents to assist in the removing of the erroneous information currently on my report : XXXX XXXX XXXX {$260.00} Original Creditor XXXX XXXX XXXX XXXX
Product: Consumer Loan

Santander Consumer USA violated the Service Member Civil Relief Act as well as the fair Debt Collection Practices Act while I was XXXX between XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX I was on XXXX, and then entered into XXXX From XX/XX/XXXX to XX/XX/XXXX. While XXXX, one of their representatives called me later hours at night, sometimes after XXXX XXXX. In addition, since they called me, it means they called me while I was at work XXXX. She made a settlement offer while we spoke, and one time she asked me if all of this was affecting my security clearance. The Last payment received was in XX/XX/XXXX, the time I was XXXX. They shouldnt have been asking for nor receiving payment at the time. In addition, they never bothered to repossess the vehicle. I told the individual that the vehicle was back in the U.S. and that I did not have enough money for the settlement offer. She called me at least 3 times while I was there, late hours of the night when I should have been XXXX. To make a long story short, she stopped calling me. I financed the vehicle with this company XXXX. So no payments were made after XX/XX/XXXX. And that 's because I was XXXX and did n't have enough money to make payments. Instead, they should have went ahead and repossessed the car, but they just kept harassing me. About 2 years later, I checked my credit report and I saw where the company wrote off/discharged the loan. Afterwards, another gentlemen called me from the same company talking very rude and nasty to me while I was working at my national guard unit on that particular day. I told him, that since I was an XXXX XXXX XXXX vet, I didnt receive as much and I had no other income or job. He then said basically, that 's b.s. and hung up the phone. Fast forward to XX/XX/XXXX. I received a XXXX from this company stating I was discharged of debt in the amount of {$14000.00}. The letter was dated XXXX/XXXX/XXXX so I 'm assuming that was the discharge date. I also received a letter from SCUSA-SCRA settlement administration stating, this company entered into a settlement with the U.S. Department of Justice for violating the service members civil relief act. The letter informed me that I may be eligible to receive compensation due to their violations that are corrupt. In addition, this debt shouldnt even exist because they never repossessed the vehicle and the debt was written off around XX/XX/XXXX. I know this to be a fact because in XX/XX/XXXX I financed a vehicle from XXXX XXXX XXXX, and XX/XX/XXXX I financed a vehicle through XXXX, so this debt doesnt even show on my credit report anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX is reporting medical debt that doesn't belong to me. Ive written a letter in XX/XX/2022 and responding with saying the debt has be verified with no prove on how the debt truly belongs to me.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with Experian COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Product: Credit card or prepaid card

First when I tried to set up direct deposit with Chime Bank, if denied me because they couldnt verify my identity with my ssn. Next when I moved on tried to create a XXXX  Bank account, the same thing happened, except I got in contact with customer service and verified my identity by sending my birth certificate, ssn, and state ID. It work successfully, but days later randomly my account closed due to not being able to verify my identity. Lastly, recently when I tried verifying my identity on XXXX XXXX, I used my stated ID again it I still had problem with the message if fear of fraudulent activity. Ive been trying to set up a direct deposit for my job with a mobile bank but Im having the same consistent challenge in all of them. I need help please.
Product: Vehicle loan or lease

Needed a car loan following current loan with excellent interest and payment options car was to be totaled multiple repairs 5 months later XXXX XXXX totaled the current car when got into current loan for used car interest as well as payment increased was told for one yr then could return to reg interest as well as normal payments like I had.. now in this loan 2 1/2 yrs to be told interest to high car not worth a third of loan amount still owing on a vehicle needed after 5 months of XXXX XXXX and XXXX taking months to total a flooded vehicle I was forced into this horrible loan due to desperately needing a car for work life job and all was in jeopardy please help need a new car loan with terms that can afford as well as decent interest noooo reason to force me back into the worst loan ever now told nothing I can do please help
Product: Credit reporting or other personal consumer reports

The following information currently listed and showing on my Early Warning Services Consumer Report ID : XXXX is fraudulent and unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to revisit the matter of my filed complaint concerning this negative account below : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam : I checked my personal consumer report which I acquired from your organization and I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint FTC Report NumberXXXX which is attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX {$7900.00} XXXX XXXX XXXX Balance {$160.00} XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX {$0.00} XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX {$2300.00} XXXX XX/XX/XXXX - Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX - Inquiry XXXX XXXX XXXX. XXXX, XXXX - INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - INQUIRY XXXX XXXX. XXXX, XXXX - INQUIRY
Product: Checking or savings account

XX/XX/XXXX I worked for somebody on XXXX. He sent me 2 cashier 's checks to my mom 's house. My mother deposited the checks in the ATM. On Monday XX/XX/XXXX, I tried to check my online account to see if there those checks cleared. Bank of America closed my account because they said the checks were bad.They have mailed my balance to my mailing address. 

PROBLEM : I have incurred injuries. My name is XXXX XXXX. I am a XXXX XXXX XXXX XXXX. I don't have a house. I don't have an apartment. I pay rent all days of the month. I don't have any other account. So now I am stuck in XXXX XXXX with only a few bucks, No bank account. No funds. No food. No potential rent. No XXXX. I didn't even get the benefit of the doubt. Now my good name is jacked also. " We don't reopen an account once its closed. ''
Product: Mortgage

Reverse Mortgage Solutions left a message on my voicemail on XX/XX/XXXX at XXXX XXXX  : This is XXXX at Reverse Mortgage Solutions a debt collector please call me back at XXXX. Reverse Mortgage Solutions in not a debt collector they have the mortgage on my home. This was all a scam being set up by a former employer a XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX, Iowa XXXX ; XXXX XXXX. XXXX XXXX owns the XXXX XXXX XXXX XXXX  I used to work for here in XXXX XXXX XXXX XXXX. When I worked for XXXX XXXX 20 years ago, she recorded the numbers of two of my Visa cards and this is identity theft. She did not record these credit card numbers to steal money or goods from them she recorded them so she could harass with them. I have been unemployed for 18 years because of XXXX XXXX and these two Visa cards ended up with a debit collector XXXX XXXX. Because I have been unemployed for 18 years XXXX XXXX is the reason for this credit card debt. I submitted a complaint # XXXX to the cfbp on XX/XX/XXXX and XXXX XXXX was harassing then with these two credit cards and she has been harassing with these two credit cards for 20 years. 
On XX/XX/XXXX she was again harassing with this credit card debt at Reverse Mortgage Solutions. She was trying to make me think that RMS was going to foreclose on my home if I did not pay this credit card debt. What upsets me about RMS is that the employees at RMS let XXXX XXXX talk them into helping her set up this scam. Attached is a letter addressed to the postmaster at the XXXX XXXX post office that I am going to send to the USPS inspector General about this incident on XX/XX/XXXX. XXXX XXXX got the information that RMS had the mortgage on my home by tampering with the US Mail at the XXXX XXXX post office. XXXX XXXX has gotten away with tampering with the US Mail for over 40 years at the XXXX XXXX post office by manipulating the employees at the XXXX XXXX post office.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of Identity theft and the identity theft has already been reported to Identity theft dot gov as well as the Unemployment department. XX/XX/2021, I had requested a copy of my credit file from XXXX, XXXX and Equifax and they sent me my credit report instead. I have made repeated phone calls and their automated systems has been extremely difficult to use. 

I had online access to my reports and the screen timed out. I would like a complete copy of my credit file but their deceptive and unfair practices have made it extremely difficult to receive my private information in this file. 

Each XXXX made me disclose my entire social security number which should not be asked for. XXXX, XXXX, and Equifax could have requested the last four. 

XXXX, XXXX and Equifax have my private information stored in their systems with out my consent and refuse to allow me to verify it is correct by allowing me to see ALL of it. 
XXXX, XXXX and Equifax are also selling my private information with out my consent which is aggravated identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

During Covid I was incarcerated at XXXX XXXX XXXX. My student loan is on an income based repayment plan with the monthly payment amount set at {$0.00}. In XX/XX/XXXX, Navient increased my monthly payments automatically for failure to recertify my income based repayment plan. While this was occurring, I was on a Covid lockdown in XXXX due to a mass outbreak of Covid infections. I was unable to receive communications from Navient. The student aid.gov website advises that recertification deadlines have been extended. Navient is reporting me late on 6 different accounts for the months of XXXX, XXXX and XXXX XXXX. This has devastated my credit score by XXXX points. In XX/XX/XXXX, the lockdown ended and I was able to recertify my income based repayment plan. My monthly amount due is set at the same {$0.00} payment, However Navient is reporting me 120 days late on {$0.00}. I have contacted the company many times and disputed this with the reporting agency. Navient insists it is accurate and is unwilling to correct the mistake.