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

My credit report shows closed and over 180 days delinquent. The government has been paying since XXXX relief started. How can it be delinquent? Also, my loan was with XXXX XXXX and was sold to XXXX without notification or ability to get in touch with this company. Even if the government wasnt paying student loan payments, I couldnt pay because I have no way to contact this third party company. I am requesting this delinquency be removed for the above reasons.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of XXXX XXXX XXXX reported to XXXX that my account payment status is pays account as agreed, Balance update was XX/XX/XXXX of XXXX. Account closed. 
Now here it is XX/XX/XXXX XXXX XXXX and XXXX XXXX is reporting on XXXX and XXXX that Payment Status is Bad debt & placed for collection & skip Status Updated XX/XX/XXXX. 
This is totally wrong to report for almost 4 years as a account being paid as agreed and then change it to a negative status and keep on record till XXXX. 
Please help get XXXX and XXXX showing a good status as XXXX XXXX reports are wrong and for 4 years I was in good standings and now I am negative???
Product: Bank account or service

I APPLIED FOR LOAN WITH A LOAN COMPANY THAT SEEM TO BE LEGITIMATE ... THEY SENT ME A LOAN APPLICATION WITH A ADDRESS AND TELEPHONE NO LOCATED IN CALIFORNIA ... I THROUGHT IT WAS LEGIT ... I CALLED THE BANK TO SPEAK WITH THEM ABOUT THE ACCOUNT AND THE CHECK ... .THEY ASSURED ME OVER THE PHONE THAT CHECK WAS LEGIT AND I DIDNT NEED TO WORRY.I DID GIVE MY PERSONAL BANKING INFO OVER THE PHONE TO THE LOAN COMPANY.I THROUGHT THEY WERE LEGIT AND EVERYTHING.I WASNT TRYING TO COMMIT FRAUD.I WAS TRYING TO SIMILY GET A LOAN FOR MY XXXX.I WASNT TRYING TO COMMIT FRAUD ... I THROUGHT THE LOAN COMPANY WAS LEGIT.MY ACCOUNT WAS CHARGED OFF AND I WAS KICKED UNDER THE BUS.NO ONE AT WELLS FARGO WILL HELP ME OUT.I HAVE ENCLOSED A COPY OF THE LOAN APPLICATION.I TALKED TO A XXXX EMPLOYEE ID # XXXX ... ..SHE WAS VERY NASTY AND RUDE TO ME.I NEED MY ACCOUNTS OPEN BACK UP.ALL I WAS TRYING TO DO WAS GET A LOAN FOR THE XXXX I HAVE.IDIDNT KNOW IF THE COMPANY AND THE PERSON WAS A FRAUD.IT WAS AN HONEST MISTAKE.I DONT WANT TO REPORTED TO XXXX.I DONT COMMIT CRIMES.I DONT DO STUFF LIKE THIS.I THROUGHT XXXX XXXX WAS A REAL LOAN OFFICER NOT A FAKE.I WANT TO REOPEN MY ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

Gold key cred for {$260.00}. It was open on XXXX XXXX, 2016. Do n't know what that is. Have no recollection of what that could be. Would like to dispute it. It 's an collection inquiry on my credit on XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/2023 -- I called USAA to ask how to pay off my personal loan in full as I have the funds to do so. I also have a car loan with them. On the phone the representative said she could do the pay off. I clearly stated personal loan in my first words to her. Next thing I knew was that she was repeating the car payoff amount as she had initiated that payoff which was for more money. I was furious and she stated that both the amounts were listed together. They transferred me to an escalation person who offered options that involved a lot of cancel this and wait for that. 

I told them to let it go through and I paid off my car when I did not expect or ask to do that.
Product: Credit card

I had a Shell Credit Card account for decades. The issuer is Citibank. The card was very seldom used, usually on long trips. At some point I believe late XX/XX/XXXX or early XXXX the account number was changed by Citibank and I do n't why. After that point it seems all communication, statements etc., stopped. Not using the card very often it did not come to my attention. In XX/XX/XXXX I used the Shell card to make a purchase in XXXX Ca. for XXXX. I am a person that pays his bills within a day or XXXX of receiving them. Something had happened to cause me to stop receiving statements from Shell/Citibank. Without a statement the purchase went unpaid. I believe that each month Citibank thought I was receiving statements and ignoring them so they added late charges until they closed the account and sent it to collections. Also, they notified the credit reporting agencies, showing a charge off on my report. I discovered all of this when I applied for a credit offer from a retail store. Prior to this point I did receive a letter from the collection agency indicating the charge off from my Shell account. Believing that I had a XXXX balance, I logged into my Shell account on-line and it shows no balance owed. I hought the letter was a fraud scheme. I can still log into the account. I discovered that I am logging into the old account number?? 
The action I have taken : Called the Citibank service center and asked to discuss my bill with the representative, who claimed she could not see the account since it was closed. She told me she would send the statements and I should try to figure out what happened. Really? 
Month later, received statements and discovered the aforementioned information so I called the Citibank service center again to discuss the issue. I was told this time that I would have to write a letter to the CBR Dispute Dept. of Citibank. 
Wrote letter to CBR Dispute Dept. outlining the details and asking for a representative to contact me with a resolution. They have not contacted me after sending additional faxes requesting any type of contact at all. 
After a month of no contact I emailed a letter to the CEO of Shell and the CEO of Citibank detailing the issue and begging for a representative from either company to contact me. 

I am a XXXX retired XXXX XXXX that takes pride in having a pristine credit report and have never paid a bill late. Please help me!
Product: Money transfer, virtual currency, or money service

XXXXXXXX XXXX XXXX I called Banco Popular XXXX ( XXXX ) XXXX to request transfer of funds from my savings account with popular in Puerto Rico to my son 's account in XXXX XXXX XXXX. I moved to Maryland XX/XX/XXXX and was still in the process of setting up a new account with XXXX XXXX. We began the process when I received an email from XXXX XXXX saying I was approved, so I told Banco Popular I would have XXXX XXXX transfer funds to my new account. XXXX XXXX set up new account at XXXX XXXX XXXXXXXX XXXX. I was informed they could not do a transfer of funds from Popular, should try Popular. XXXX XXXX called Popular XXXX again and was told they could not transfer funds to XXXX XXXX w/o explanation, I should try XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letter over 45 days ago to this bureau and still have not gotten a resolution. The bureau is disregarding a regular consumer 's dispute. My credit is really holding me back right about now. Please help a brother out.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act TRANSUNION-ACCOUNT # XXXX XXXX XXXX XXXX has violated my rights on XX/XX/2023 for {$720.00} 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 an account without my written instruction so therefore I need these accounts removed immediately In accordance with the Fair Credit Reporting Act TRANSUNION -ACCOUNT # XXXX XXXX XXXX XXXX XXXX has violated my rights on XX/XX/2023 for {$2300.00} 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 an account without my written instruction so therefore I need these accounts removed immediately
Product: Checking or savings account

I've called my bank twice which is bank of America to close my account. They said I've got a person to person fraud case on my account which I know nothing about and then they can't access my account with my information. They can't seem to send a verification code to my cell phone that's on file even though I'm calling from it. I just want my account closed because I've got an account with another bank.
Product: Student loan

XXXX XXXX, withdrew from classes within a month and still getting charged {$5000.00} by climb credit.
Product: Debt collection

Date of Service-XX/XX/2013 Account Number-XXXX Balance- {$250.00} I am Disputing the debt that is 6 years 6 months old and do not recognize the debt as mine. 

Original Creditor-XXXX XXXX XXXX XXXX Florida Current Creditor XXXX XXXX or XXXX- XXXX XXXX XXXX XXXX XXXX Tx XXXX Phone-XXXX
Product: Credit reporting or other personal consumer reports

i am unable to obtain my consumer report from credit reporting agencies.
Product: Bank account or service

Case Subject : violation of TILA ( Pub. XXXX ) Case Description : On XXXX XXXX, 2016, {$1200.00} was transferred from my XXXX checking account to my Navy Federal Credit Union checking account via ACH funds transfer. When the funds arrived in my Navy Federal Credit Union checking account on XXXX XXXX, 2016 ; I found nothing was in my checking account, after trying to purchase some groceries at a local supermarket. Navy Federal Credit Union had XXXX pirated XXXX the funds that were in my checking account ( at the time : {$1200.00} ). [ In violation of 12 C.F.R. 1026.12 ( d ) ]. I called N.F.C.U. multiple times to resolve the issue, but was told to speak to someone in a different department, or that they could not help me. I was finally able to speak to XXXX different " managers '' in XXXX different departments ( checking and credit cards ). Neither was willing to work out this issue. If it had been their sons ' it would have been a different story!!! 
I requested the checking account Manager to provide an audit of the account per G.A.A.P or XXXX. conventions on acceptable accounting practices, which the account manager flatly refused and said " you are repeating something you read off the internet. ''!!!! A " consensual '' security interest in the account was not granted or intended, nor was I AWARE of granting such security interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

My forbearance plan was over I called in for my options and they told me I was reported 180 late because I called after the forbearance plan was over. I called the month the plan was over. This makes no sense that they can missed up my credit when I was never late on anything. The servicing XXXX is uwm XXXX  XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to Hurricane Irma, XXXX XXXX XXXX, my account # : XXXX was set up for a special payment plan to get through our temporary income cessation. 

I received a 30 day late on my credit report, and they stated this was an error and it would be fixed next month. That was back in XX/XX/XXXX. I have called multiple times, and every time they tell me it was their reporting error and it would be fixed. 

As of my most recent update, XX/XX/XXXX, still not fixed and it is effecting my score by over 60 points. 

I call and call, they say they will fix it with no results. 

My account is now current, income is coming in very good again and we are even 2 weeks ahead on our payments. 

Since this payment plan was set up during the hurricane relief period, we should not have late fees or a late reportson the bureaus.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





Bankruptcy Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I recently obtained a copy of my credit report and noticed some inaccurate accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNT LISTED BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance Owed : {$3400.00} Date Opened : XX/XX/2017
Product: Vehicle loan or lease

I purchased a 2011 XXXX XXXX for {$15000.00} on XXXX.The Finance company is XXXX XXXX XXXX XXXX After looking at my account on today, XX/XX/XXXX, my statement for the payoff balance is {$14000.00}, with ALL full payments going towards the interest at 100 %. I have attached my transaction history. There has only been {$400.00} applied towards the principle of the car starting in XXXX of XXXX. I have been making payments of {$420.00} for the past 4.5 years and  none of those payments have been applied to the principle. Which means that I have been paying only the interest on a XXXX vehicle for 4.5 years. After speaking with the representative at XXXX today, she informed me that the amount still owed on the car is due to 6 extensions that  I have been granted over the life of the loan. 6 extensions over a 4.5 year period is far from unreasonable. Especially, when the extensions were due to over 10 recalls most not covered by the manufacturer, that I paid out of pocket for and mechanical issues with the car. I was also told that once I pay the last {$64.00} of the interest from the extensions most of my future payments would then go towards the principle of the car in which I will be paying another {$14000.00} in additional payments to pay the car off. As of today I have paid over {$20000.00} and I still owe {$14000.00} for a car purchased for {$15000.00} in XXXX.This company is practicing predatory lending by implementing negative amortization within there loan contracts which is deceptive to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the Equifax to dispute a late payment on my consumer report as well as check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and I havent received nothing. Here is my tracking number : XXXX. Its been over 30 days. 

And one more thing, they didnt even record the current status of the disputed information. 

Equifax is holding me back from raising my credit score to acquire new credit and purchase a house. This is very frustrating because I am trying to build positive credit and buy a house for my family but Equifax is not doing its job according to the law
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I summited a complaint for inquiries I do not recognize on my consumer report. Its been more than 60 days and no response was given. Please delete this inquiries immediately as they are hurting my report. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Payday loan, title loan, or personal loan

Numerous calls throughout day and night and not given a call back or voice message when calls are done during late hours or work hours. 

XX/XX/2020 recieved a threatening letter stating intent to be hit with a lawsuit.
Product: Checking or savings account

On XX/XX/XXXX, my Chime ( XXXX ) checking account was hacked into and the funds in the account withdrawn without my authorization. When I realized what had happened I immediately called Chime and informed them of this unauthorized access and removal of funds and I also changed the password to my account. The person who accessed the account conducted two transactions which were unauthorized, one in the sum of {$250.00} and another in the sum of {$350.00}. After I changed my password and Chime had reimbursed me the lesser amount, they also went ahead to remove another amount in the sum of {$99.00} those from the account without my permission but Chime reimbursed me this amount as well. 

The problem is that although both unauthorized charges took place on the same day & within minutes of each other, Chime only decided to reimburse me the smaller amount and refused to reimburse the larger amount. I sent multiple emails and spoke to multiple company reps all to no avail as they declined my repeated requests to reimburse me the entirety of what was illegally removed from my account.
Product: Credit card

I applied for a personal credit card with Bank of America and was approved for {$13000.00}. Later, I received two letters : one containing my credit card package and the other saying I must contact them about some suspicious activities on my card! 

I talked with three different representatives. They all said the only way I can activate my card is by going to a physical location with two forms of ID. I live in XXXX XXXX, XXXX, and no BofA branch exists in XXXX. 

They don't activate my card by any other means, and they say they will cancel my credit card for " fraudulent application '' if I don't travel to another state just to show them my ids. 

Please note that : 1. I have a business credit card with them through my job, which is yet another proof of my identity ( {$50000.00} line ). 
2. They did not mention I need to go to a physical branch throughout their application. I would have never applied for a credit card I can not activate - let alone my application to be labeled fraudulent. 

Not so relevant information : A lady I talked to told me this is normal, because with the current situation in America, it's normal for BofA to not have a physical branch by the coastal states as they're not safe! I reminded her they have multiple locations in XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. As a result of this data breach, on XX/XX/2023 XXXX XXXX XXXX  XXXX had pulled a hard inquiry on my Equifax credit report without my authorization. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete this illegal XXXX XXXX XXXX XXXX  hard inquiry from my Equifax credit report. I have submitted at least 4 disputes with Equifax pertaining to this illegal unauthorized XXXX XXXX XXXX XXXX  hard inquiry and Equifax have not done a THOROUGH INVESTIGATION and Equifax have not contacted XXXX XXXX XXXX XXXX about this hard inquiry so that it can be deleted.
Product: Credit card

I previously disputed this account see attached documents, account number ending in XXXX XXXXXXXX from KOHLS which was open XXXX XXXX XXXXXXXX. This account wasnt thoroughly investigated because address on file for this particular account is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I never lived at this address and I uploaded my license of my current address I been living since XXXX see attached documents. A charge off is considered income from the IRS which means I should have received 1099-C and according to 15 USC 1681 2a ( l ) no transactions or experiences is allowed to be on credit consumer report.
Product: Checking or savings account

I opened a savings account with Bank of America on XX/XX/XXXX. I placed {$390.00} in my savings account. Without my permission Bank of America reversed the entire {$390.00} to my checking, which I didn't realize until XX/XX/XXXX. I ended up spending it as I paid bills and other necessities. I contacted Bank of America due to the error in their system and they said " They are not sure why that happened, But they cant refund my money ''. I need my entire amount back or I will contact an attorney.
Product: Mortgage

My loan was sold to a new servicer effective XX/XX/XXXX. I did not discover this until today, XX/XX/XXXX, and I only discovered it because I noticed the payment I made on XXXX had not yet been pulled out of my account. When I contacted Cardinal financial I was told that the loan had been sold and the payment was returned. They told me they mailed me a notification of the change on XX/XX/XXXX ( which I have yet to receive ). As I understand the rules, they should have given at least 15 days notice. Instead they mailed something out 6 days before my payment date and called on XX/XX/XXXX after XXXX. There was no email or secure communication through the website, despite the fact that I'm a paperless customer.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I sent a wire transfer of {$3400.00}. dollars from my bank XXXX XXXX XXXX XXXX in New York to a Bank of AmericaI account in XXXX XXXX Texas. I was lead to believe by sending the money, to a legitimate Bank of America account, I was safe from fraud. Sending the money meant, I was basically signing a lease agreement for the apartment. I received the banking account information from the person I believed I was renting the apartment from. I was not informed by my bank that wire transfers were not protected from fraud nor did I think that someone could have a fake account with an actual bank in the USA. The person on the receiving  end used stolen information to illegally make a bank account with Bank of America in order to receive funds, which I didnt know was possible considering all the identification checks they do when opening an account. By the time I was supposed to move in to the apartment, a month had already gone by. When I realized I was scammed I filed a police report and the police indicated that the funds had already been withdrawn and the account was closed. Bank of America claims they are not liable to refund me my money. And my bank, XXXX XXXX XXXX XXXX is not doing much to help me get my money back. I was scammed and robbed of {$3400.00} dollars, which is fraud and a federal offense. Due to the circumstances of COVID-19 red flags werent raised when I did not meet this person face to face.
Product: Checking or savings account

Payment from My PNC Bank account were debit from the account more than once but processed again on both of the checking accounts. However the first payments were removed from the transaction history but were not credited back to my accounts The payments involve a payment to XXXX XXXX for the amount of {$180.00} for one checking account that was debited from the available balance on XX/XX/XXXX and in processing on XX/XX/XXXX. XXXX XXXX confirmed that the payment was received on XX/XX/XXXX with a PNC Bank representative on phone named XXXX. However the payment was debited from the same account XX/XX/XXXX without any record of the first payment. Furthermore a payment to XXXX for {$170.00} dollars was debit from the available balance on the XX/XX/XXXX and was removed from the account history on the XX/XX/XXXX and was debited from the account on XX/XX/XXXX. PNC Bank are making adjusted at the end of business day at settlement and the mobile could be displaying incorrect information causing the account owner financial losses.
Product: Checking or savings account

On XX/XX/XXXX, my account was charged {$300.00} to someone I dont know for XXXX XXXX XXXX XXXX XXXX XXXX. Yesterday it was charged {$200.00} for the same thing to another person I dont know, and then another {$200.00} for the same thing once again. Immediately upon seeing the charges, I called my bank and filed a dispute. They proceeded to tell me that the charges did not appear fraudulent, and they would not be refunding my money.
Product: Credit card or prepaid card

For no reason at all synchrony bank lowered the limit on my Walmart card and XXXX card. It has impacted my credit score and I have always paid on time and carried very little balance on either card. It is unfair and harmful to my credit score.