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

I am not familiar with XXXX pay and did not understand the great risk this provides to consumers. I believed this to be safe as it was through my Chase bank app. I have been with Chase for almost 20 years and trust their mobile banking and now am sadly regretful. I am being told to deal with the merchant except the merchant has refused to answer my inquiries and now shut down communication. The website of the said merchant looks entirely legitamite and is even using the faces of highly successful brands with individuals linked to their social media without their consent. In performing research of the phone number and other associated information available through PI it is very clear this merchant is continually creating new account title holders to perpetuate this cycle of fraud. Furthermore as this is a non fixed voip being used I believe they are fraudulently using the identity of the real XXXX XXXX Chase Bank told me they wouldnt even investigate, report this to XXXX or allow me to file a report or take any potential recourse for the matter. There isnt even a protocol in place to address this issue yet! The chase mobile app verbiage makes a point to deceptively position this app as under the branch of Chase banking service and as such, imply a degree of entitlement to its customer service protection protocols. Chase has your back which reads on the very same link as the XXXX tab ... .is most certainly not true. This places consumers at risk when using this mobile service and does not flag the concern of Chase in the slightest. At minimum the risk of using XXXX on your mobile banking app must realistically be made aware to the public as it stands to be potentially devastating I have plans to file reports with all corresponding authorities as well as notify and contact the individual whose identity is being misused to inform him. I also intend to urge My neighbor who works in television that the news network should perhaps present the risk of using XXXX and XXXX integrated banking apps to the public. I understand fraud and scamming are overwhelming rampant but a banking mogul such as Chase not having any recourse of action is simply a risk that needs to Be disclosed more throughly. I would not have clicked on the to link to the extent I did if I would have been better informed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX XXXX account # XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX is the original debt collector. The company has never issued a 1099-C after discharge.
Product: Debt collection

MediCredit, which is a collections company working for XXXX XXXX XXXX XXXX in Maryland reports individual charges on my credit report as separate accounts. So I had a couple of visits to this 1 hospital in XXXX  and had a dispute with them about the charges. After awhile I gave up trying to dispute the charges. In the meantime, they had sent the owed medical charges over to MediCredit and that company reported it on my credit report as 3 different and separate accounts EVEN THOUGH they only have it under 1 account in their system.

By reporting this as 3 different accounts in collections ( all paid off ) on my credit report, it more severely negatively affects my credit score than if t
hey reported it as 1 account, which would be more appropriate.

A fair resolution to this issue would be to only report this debt owned as 1 account and not 3 or 4 or whatever.. They shouldn't be doing this to people. Especially when health care costs are already out of control and this affects those who can least afford it. 

Other companies don't report each individual charge or visit to their business as a separate account and neither should the hospital nor MediCredit!!!
Product: Credit reporting or other personal consumer reports

XX/XX/year> and this not me please delete these from my credit reports XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX issued credit in the amount of XXXX apparently using my identity in XXXX. In 2020 XXXX then charged off the entire amount for no payment and then reported it against me on my credit report lowering my credit score from XXXX to XXXX which is the only way I became aware of this fraud. I touched base with trans union to report this fraud to do an investigation. Let me be clear, I have never done business with XXXX and never been in the military which is apparently a requirement to do business with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the unauthorized inquiries and personal information that are found on my report. But still those inaccurate items are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX Updated XXXX XX/XX/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 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, credit repair services, or other personal consumer reports

I bought blinds through XXXX. I paid for service and goods at time it was rendered. I NEVER applied for financing. Somehow, XXXX applied for the financing anyway, refunded my payment, which I did not notice, and financed the blinds through XXXX. The address on the account was incorrect, I had no idea the account existed, and had a 30 days late notice- which has ruined my credit score. As soon as I pieced this all together - I paid in full, which was my intent originally.
Product: Credit reporting or other personal consumer reports

After investigating my credit report, I found the items on my report to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of the report, Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual the report relates to.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of consumer. 
Please remove the following items from my credit report immediately Bankruptcy/child support Date filed XX/XX/XXXX. 
XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX Date XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I got solar panels from XXXX. XXXX went out of business and left my priject incomplete. Mosaic dispersed funds to XXXX XXXX XXXX XXXX before the project was complete and before insuring the panels were functional. The solar panels were and are not operating or operational. They are not wired correctly. I can not get the solar panels to PTO ( permission to operate ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going over my credit report trying to refinance my home. I noticed accounts that I have never done business with and I do not have a contract for business with. I was told to file a report and contact the CFPB AND FTC. The following accounts are not mine : 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 XXXX XXXX  # XXXX, XXXX & XXXX XXXX XXXX , XXXX & XXXX # XXXX , XXXX # XXXX, XXXX XXXX XXXX I am not sure who is using my name I use to live in XXXX I now live back to XXXX.
Product: Credit card or prepaid card

I am currently working with a XXXX XXXX XXXX XXXX and working to establish a debt management plan for my Discover Card. My entire balance is sitting at XXXX  % APR. I spoke with their XXXXXXXX XXXX  and XXXX department and they advised that the debt management plan was declined because I have a {$200.00} transaction sitting at XXXX percent. This transaction is found on my statements as ACH FUNDS TRANSFER REVERSAL dated XX/XX/22. This transaction was the result of Discover reversing a double payment that took place on XX/XX/22. The {$200.00} should have been put back to the balance under the regular APR. 

When I've spoken with the XXXXXXXX XXXX and XXXX department they advise me they can not help me with the {$200.00} ACH transfer and that I must speak with Customer Service. Customer Service then tells me that there is nothing sitting at XXXX percent and there is nothing to correct and that my entire balance is at XXXX %. The XXXX XXXX and XXXX department is refusing to assist me with the debt management plan proposal as they have no clue what is going on with the ACH FUNDS TRANSFER REVERSAL dated XX/XX/22. Neither department will speak with the other and they expect me to be the middleman for their company however all they do is bounce me back and forth between the departments. 

I have attached the letter I received from XXXX along with an email from the XXXX XXXX XXXX XXXX I am working with informing me why Discover declined the debt management plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020 I mailed into TransUnion via Certified Mail XXXX, an Identity Theft Fraud Report In accordance to the FCRA Section 605 ( A ). The Identity Theft Report including all the necessary documents,, 1. the Appropriate proof of my identity,2. A valid copy of an Federal identity theft report with sworn affidavit, 3. A notarized statement from myself of the fraudulent accounts as well as a sworn affidavit stating that the account and transactions and information in question is not any accounts or transaction related tome the consumer. TransUnion failed to block all the accounts identified in the Identity Theft Fraud Report as fraudulent accounts. This is a blatant violation of the FCRA Section 605 ( A ), ( B ). I will be taking legal action for this violation. TransUnion has 7 days from the receipt of the complaint to block the remaining negative fraudulent account. TransUnion 's registered agent is simultaneously being served with legal process on this matter in regards to this violation. If the Negative information is not blocked I will be seeking damages for willful negligence and defamation. TransUnion Needs to adhere to the FCRA in regards to the my Identity Theft Fraud Report in their posse
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all three credit bureaus about accounts that I saw that had errors being reported and that was over 30 days ago. I sent this letters via mail on XX/XX/2021. I don't feel that I am liable for this debt.
Product: Student loan

I went to college in 2007. i became sick and was unable to continue to go to school. the federal loans did not cover the entire cost of school so I had to also pay the school the overage. Due to still owing the school they will not release my transcripts and i can not finish school. I am a single mother so I have to work and I am unable to pay the monthly payments on my loans. Im trying to get a house so my son can go to a school in a good system. i am unable to get a house due to these loans on my credit report.
Product: Credit card or prepaid card

I made a purchase in XXXX using the XXXX credit card issued with Comenity Bank in XX/XX/2021. I am signed up for e-bills and have never had an issue for years. A few days ago I noticed my credit score dropped from XXXX to XXXX and checked my report. Its been reported that I missed payments to this card 3 months in a row. When I went online to the account, a warning message appeared that they are having trouble with their system and it will not allow them to send me an email to my account. The email they had on file is correct and working fine, that is how I receive all my other bills and communications. For an {$80.00} charge, they added approx {$70.00} in late fees and interest for which I paid in full immediately. I have been out of the country due to coronavirus but I never received a call, email or text message letting me know about this. They have closed my account so I can not dispute any of this. This was an IT error on their part and I just dont want my score to be negatively affected because of their system issues. They are not willing to resolve this. I have never missed a payment and would not have missed these if they sent me an email, text or tried to call me about this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate and incorrect Inquiries 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and report discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$6500.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Debt collection

Phoenix Financial Services reported a collection on my credit report effective XX/XX/2019 in the amount of {$730.00}. 

I do not know who this company is. I sent them a debt validation letter via mail and I have not received a response. 

Please assist in getting this account removed from my credit report as I have no known written knowledge of this creditor.
Product: Mortgage

I refinanced my home, the closing was on XX/XX/2020. I refinanced the house with the same lender, just to reduce the interest rate. They offered me an FHA streamline program and I accepted. It happens that my old account is still open, they should not charge my old account, but they did it and I had to pay my monthly charge on XX/XX/2020. My new account is open as well and I owe a payment in both accounts on next XX/XX/XXXX. I checked my credit report and I have two mortgage accounts, and of course ; the amount owed has multiplied by 2. I contacted my loan processor, by phone and email. I sent several emails and I still don't have an answer. I called the company and the old mortgage is open because it hasn't been funded. This is a matter of concern for me. It's affecting my credit and I owe two mortgage accounts. I haven't receive my copy of documents of the new loan.
Product: Checking or savings account

On XX/XX/XXXX while I was at work someone was taking funds from my account there was nothing I could do bc I had lost my cellular device & wallet they bought food and sent {$1700.00} with XXXX XXXX  upon getting off work and arriving at home to my business phone I noticed it so I reported my card stolen & immediately called Wells Fargo today XX/XX/XXXX I check my account and noticed I was only credited {$16.00} from them buying food Wells Fargo is saying that these transactions came from my device which is XXXX XXXX false i reported said device stolen immediately when I lost it whoever XXXX XXXX is did these transactions without my approval the device which said transactions were created was stolen from me XX/XX/XXXX the same day of the transactions I called to get a better understanding and was met by a very rude claim specialist by the name of XXXX I told him that whoever stole my phone/ wallet had access to very sensitive personal information and from that point forward he attempted to place the blame on me Ive lost a total close to {$3000.00} dealing with Wells Fargo letting someone take $ from my account which is totally unfair Ive never experienced anything of this nature until XXXX I XXXX XXXX had XXXX to do with these transactions whoever stole my phone hacked into it and spent my entire work check that I work my XXXX off for
Product: Credit reporting, credit repair services, or other personal consumer reports

I preciously notified Equifax that I am a victim of identity theft, and the fraudulent information is still there on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened two credit card accounts with XXXX XXXX in 2006. When I opened them I also took advantage of the unemployment insurance they were offering, as I found out later was completely fraudulent. When I became laid off from my employment, I tried to use the insurance which was completely and utterly worthless. My accounts with them were in dispute for quite some time until it became clear that they were not going to honor the insurance they provided me. In the meantime while the dispute was going on I was getting late charges and derogatory remarks on my credit until this day. They were taking advantage of peoples trust. The fraudulent insurance scheme has stopped, but I'm still paying for it through my credit reports showing all those late payments that were not supposed to be reported during a dispute process. I had to eventually pay them, late charges and all, which have been at a XXXX  balance for five and six years respectfully, but XXXX XXXX refuses to take off my credit report. They got what they wanted, why are they still trying to hurt my credit? Sincerely, XXXX XXXX
Product: Checking or savings account

I saw a transaction on my account that I do not recognize at all. I called Chime to report this unauthorized transaction by filing a dispute. I was advised by the Chime rep that first I needed to try and resolve this directly with the merchant first. The Chime rep said if I couldn't reach a resolution with merchant after a couple weeks to call Chime back and at that time they would file the dispute. I explained I was somewhat hesitant to do this because I needed dispute resolved ASAP as I can't just be out {$890.00} for any extended amount of time. I'm a XXXX single mom of XXXX small children. {$890.00} is like {$8.00} million to me. Anyways the Chime rep said well Chime makes you wait 10 business days before they'll refund your account anyways so you might as well spend that time trying to first resolve with merchant. If you can't then call Chime back and file dispute and we will issue a provisional credit within 24 hours. The merchant in this case was XXXX. I did in fact try my hardest to get resolution directly from XXXX but unfortunately they were not responsive to me at all. So after a couple of weeks I did what Chime told me to do, I called them back to file the official dispute ; which they did on XX/XX/XXXX. However MY COMPLAINT IS THIS EXACTLY : I filed my dispute an entire week ago and still haven't received my provisional credit that I was told would be issued within 24 hours! When I contacted Chime again a few days ago the rep this time had a whole different story. She said credits aren't issued until 10 business days, could be sooner but not required by law. I said yes I know but first rep told me to work directly with XXXX for resolution and during such time it was counting towards that 10 day waiting period. Now this rep I most recently spoke to said I'm not getting the credit until XX/XX/XXXX!?!?!?!!!!!!!! I can not wait a while additional week. My kids and I are drowning over here. I literally don't have gas in my car to drive them to school or money in my account to buy groceries. I need this resolved ASAP!! I realize Chime didn't cause this problem initially, it was the thieves. But Chime isn't helping to resolve it quickly and fairly at all. I wish something could be done to stop all these thieves from hacking bank accounts online, stealing directly out of our mailboxes in person, attaching skimmers to duplicate our debit cards, etc. But until the thieves can be stopped, the banks need to step up for their customers NOT CONFUSE THE ALREADY DESPERATE CUSTOMER SOME MORE by giving out false information which delayed my refund another 2 weeks!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX OK XXXX ; XXXX XXXX Balance : {$820.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$57.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX