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

My identity got stolen, in which I lost all of my cards and identification in my wallet and I contacted current bank to let them know. And to file a dispute on all the charges that I didnt make, the very next day all my dispute was denied instantly. So I appeal their decision, I sent in XXXX separate police reports, and I was told that in XXXX to XXXX business days I would have a decision on the appeal, now XXXX being told that its going to take XXXX business days. Ive been denied of talking to managers and supervisors on XXXX different occasions. The money was my social security check that I get ever month. All my bills are now behind and now XXXX being to XXXX business days its going to take for them to make a decision. I need my money back, asap I cant wait XXXX business days and I was told in the beginning XXXX to XXXX business days
Product: Checking or savings account

I have been spoken rudely with the company employees at east west banks customer service over the phone call we had about my debt card being lost in the mail or stolen. There forward, I am trying to get my funds to XXXX account though online bank app and its taking the mobile with no explanation for the appropriate transfer receiving the money also no data that will complete the transaction on the receiving account. Thank you so much for your help and understanding.
Product: Debt collection

I received a notice from the IRS that I had to pay more on my taxes from 2023 because of a cancellation of debt that was turned in by Bank of America. I have no Cancellation of debt. I sent a notice to the IRS and a copy of my credit report showing I have no cancellation of debt. IRS told me to contact Bank of America and get it cleared up. Bank of America will not help anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed online and Ive sent letters to XXXX, Experian, and XXXX on XX/XX/2022 concerning all of the inaccuracies and inconsistencies on my report. Its been well over 30 days I still have not received a response. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. 

This is a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies are reporting XXXX acct. XXXX as delinquent on my credit file. A settlement agreement was reached and this account is paid in full ( see attached letter from XXXX XXXX XXXX ).
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX # XXXX Account Name : XX/XX/XXXX # XXXX Account Name : XXXX # XXXX Account Name : XX/XX/XXXX XXXX Account Name : XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XX/XX/year> EARLY WARNING SERVICES , LLC, willfully has violated Fair Credit Reporting Act ( FCRA ) FRAUD INFORMATION REPORTS AS A RESULT OF IDENTITY THEFT. EARLY WARNING SERVICES , LLC HAS FAILED TO COMPLY WITH THE REQUEST FOR THE METHOD OF VERIFICATION UNDER SECTION 611 ( a ) ( 6 ) ( 7 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried now on several occasions to get security freezes placed on my credit reports, but to no avail. Moreover, due to my information being found on XXXX XXXX  sites and the fact my information was compromised in the XXXX data breach, I am scared of identity theft. Therefore, I want all addresses removed except for my current address. Finally, I am requesting full validation of all accounts under the FCRA 15 U.S.C. 1681i, which states all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed on my credit report within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

At present I have 16 student loan accounts reporting on my credit report. All 16 accounts are reporting late for months XXXX through XX/XX/2017 however this information is inaccurate. I graduated my XXXX program in XX/XX/2017 and my loans should have remained in deferment for 6 months following my graduation and then enter into repayment status. Instead, it appears my graduation date was calculated incorrectly or I did not recieve my 6 month grace period as I should have.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax removed this account from my credit report and keeps allowing a non-credit account on my credit report. This is a violation of the FCRA Act. XXXX and XXXX don't allow this to keep happening. This has had a direct impact on my family and my rights.
Product: Credit reporting or other personal consumer reports

I filed a police report to get some negative unauthorized items removed off of my credit report I am a victim of XXXX XXXX  my credit was used without my permission the accounts are from XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Initial Mortgage loan from Wells Fargo, said before signing payment would be {$780.00}, After signing, Wells Fargo sent a payments would be {$1100.00}, barely afforded payments, said we had to go to county treasurer for new tax assessment 8 months later, got it taking care of. Had to lower payment to credit cards to meet mortgage, causing us to have more fees from these cards, as soon as we could, we switched to any lender other then Wells Fargo Mortgages.
Product: Debt collection

I got to know there was a credit issue under my name, on suppose non paid charges, from my mortgage broker when I applied for financing in 2020. I did not know that before. Upon acknowledgement, i contacted ATG credit on XX/XX/2020 requesting evidences so we could resolve the situation. Nothing was received. Due to the lack of response from ATG side, i once again contacted the company early XX/XX/2020 and received a copy and paste of generic invoices # s with unclear service description by email. Given the lack of details supplied and wrong spelling on my name, I tried to contact direct the possible companies myself to understand better what it referred to, however i cd not get too far. So I requested you/ATG credit proof I had signed up for such service but ATG have failed to provide it despite my eagerness to resolve it and several reminders from my side. last time i tried, always in good faith, was 10months after i first contacted them, putting a deadline for them to either provide me further proof I have signed up for such service or a confirmation they would report it to the credit bureaus withdrawing credit entries from my report. i got no reply from them whatsoever to this date.
Product: Credit card

This is an ongoing issue with Citi. They have allowed XXXX charges from XXXX in XXXX, GA to go through despite that XXXX was not authorized by any cardholder in our family to make these charges. The charges are for {$120.00} and {$120.00}, both posted on XX/XX/year>. Citi has closed our credit card account which is something I requested they do after they find in our favor. Although they closed the account, they are leaving the dispute open for feedback from XXXX. XXXX has either not responded to Citi, or isn't aware that Citi is waiting for them. Citi 's communications to us have been slow and misleading. At first it appeared they sided with us on the {$120.00} because they provided no additional communications on that dispute ; however, upon further research into their site, that amount is still in dispute and undecided. 

They requested proof that XXXX was paid. XXXX was never authorized to use the credit card. That should have been enough to reverse the charges. 

We did pay XXXX by check and sent proof to Citi. Citi ignored all the evidence and has decided to wait on XXXX. They have not informed us what will happen if they don't hear back from XXXX. Citi uses email rather than a secure portal for us to provide evidence. For a company the size of Citi and the importance of security, they should offer a secure portal. 

The proof of payment we provided to Citi included both sides of the scanned cancelled check as provided to us over a secure portal by XXXX XXXX. We also provided a scanned check as it was originally written ( in XXXX ) and a screenshot from XXXX XXXX 's website showing that it had cleared the bank. We provided all of this evidence despite the fact that XXXX was not authorized to use the card in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unverifiable bankruptcy reported by TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries below do not belong to me. They are FRAUD. Delete ASAP. They should not be on my report. 

-- -- -TRANSUNION XXXX -- XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I was used as a Authorized User i did not give permission to be a authorized user. Capital, one looks like the limit was {$300.00} and it closed XX/XX/2023, I don't know the account number. this account is showing on my credit report Please remove and restore my credit score points that was taken
Product: Debt collection

Information was given to XXXX by AllianceOne, a debt collection agency. AllianceOne was contacted and agreed that the debt was not mine, but insisted that they could do nothing about it. I stated that they gave the info to XXXX and they should be the one to inform them that the info was incorrect. They stated that I would need to dispute it with the Credit agency to have the info removed. I spoke with the agency and they said I needed to go to the reporting business. When I informed them that I had, they then said they would need a letter from the reporting firm. Typical catch XXXX there is no winning. Even though I disputed the info with XXXX it has not been removed.
Product: Credit card or prepaid card

My complaint is about four fraudulent activities which have occurred the day after my application for an Amazon/Chase Credit Card XXXX 

On XX/XX/2022, I applied for an Amazon Credit card and I lift the freeze on my credit report on XXXX on XX/XX/2022. 
On XX/XX/XXXX, I called the phone number on the letter from Chase. The Chase employee checked my credit and my application was accepted. 
The day after, there was 4 fraudulent paiements on our checking account ( in an other bank ) for a total of {$14000.00} I called Chase Fraud Department at XXXX. I spent more than an hour with Chase employees calling XXXX, Missouri, XXXX, Texas, XXXX again and I could not report this fraud because it is not a fraud on a Chase Credit Card or a Chase checking account. 
Obviously, the fraudulent activities were made possible because my credit report was thawed and according to XXXX and my other credit monitoring services only JPMorganChase opened my credit report. 

Following are all the details, day by day. 

XXXX, I applied for an Amazon Credit card XXXX, I received the letter from Chase with the phone number to call after lifting my XXXX XXXX XXXX, XX/XX/2022 : I lift the freeze on XXXX. 

-Monday XX/XX/2022, about XXXXXXXX XXXX Pacific Time, I called the phone number on the letter from Chase. The Chase employee checked my credit and my application was accepted. ( Unfortunately, I shredded the letter from Chase since my application was accepted ) -Monday XX/XX/2022, in the afternoon, I freeze the credit report on XXXX XXXX XX/XX/2022 : there are 4 fraudulent paiements on our checking account : XXXX XXXX remittance XXXX XXXX : {$5900.00} -Discover E Payment XXXX XXXX : {$1900.00} XXXXDiscover E Payment XXXX XXXX : {$1100.00} XXXX XXXX : {$4800.00} The total of the four ( 4 ) fraudulent transactions is {$14000.00} XXXX : I called Chase Fraud Department at XXXX. I spent more than an hour calling XXXX, Missouri, XXXX, Texas, XXXX again and I could not report this fraud because it is not a fraud on a Chase Credit Card or a Chase checking account. 

XX/XX/2022 : I cancelled my credit card on the phone, at XXXX XXXX XXXX. 

I believe it should be easy for Chase Bank to find out who is responsable for these four ( 4 ) fraudulent transactions for a total of {$14000.00} My bank refunded the money since it was fraudulent but I am making this complaint because I want these people to stop doing this. 
I sent 3 letters to Chase : JPMorgan Chase Bank Corporate Headquarters : XXXX XXXX XXXX, XXXX XXXX, NY XXXX Chase Bank XXXX XXXX XXXX, XXXX XXXX, CA XXXX Chase Bank card member service XXXX XXXX XXXXXXXX XXXX XXXX Il XXXX I sent 3 emails : XXXX XXXX XXXX I called Amazon customer service : XXXX XXXX XXXX I am at your disposal should you require any clarification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit reporting agency failed to properly investigate and provide XXXX documentation to the creditor which resulted in irreparable harm to the consumer. 
On XX/XX/2022 a request to investigate a fraudulent account reported by XXXX XXXX  was requested to be investigated. Additional documentation was provided to Experian through experience upload documentation system. This information was relayed to the representative for Experian which intern, placed the consumer on hold as a research to find the documentation. Whats the documentation was located, the dispute was initiated. 
On the same day that the dispute was initiated, a email was sent out stating the following : We can not process your dispute online please contact us below or Experian dispute specialist are available to assist you. It also said to use report number XXXX XXXX. I found this to be very peculiar because my dispute was done over the phone with an agent. My dispute was not at any time conducted online for two reasons, Experience dispute system does not allow you to submit any items pertaining to fraud online. So there is no way that request couldve been submitted. 

Secondly, the other items that were removed and deleted were submitted under Fraud at the same time. So its impossible for half of the request to be submitted and the other half not to be submitted. 

Is gross negligence is a failure by Experian Reporting agency to properly investigate this item pertaining to fraud and, to properly submit new pertinent information that was uploaded to Experian pertaining to this fraudulent account. 

Failure by experience to properly maintain my file has cost me irreparable harm that I am financially suffering from today. 

Failure to properly investigate this report, and provide documentation to the creditor so that this could be resolved the way the system intends it to be has created a gross violation of the FCRA fair credit reporting act. 

His account has been sitting on my credit report for the sole reason that Experian failed to properly provide documentation to the creditor pertaining to fraudulent item disputes in accordance with the fair credit reporting act and fair credit debt collection act. 

The documentation speaks for itself. It shows that XXXX XXXX  clearly stating they never received any fraudulent Documentation that was uploaded to Experian. Experian never provided the information and this is validated by the simple fact that XXXX XXXX  as clearly stated they didnt receive anything from them. Therefore a proper investigation was never done and never properly completed.
Product: Checking or savings account

This complaint is regarding CHIME Online banking, the freezing of my account, the failure to communicate, and the most egregious not returning my money when I asked for my account to be closed. 

Friday XX/XX/21 I received three automated e-mail about unusual activity and that I needed to send all my personal documents via e-mail to them. 

I was traveling that week, they froze my account. 

Friday XX/XX/21 I uncomfortably sent all these documents and personal information via e-mail. 
-received an automated e-mail saying basically " not good enough '' I send another e-mail with better pictures of these documents. 
-received an automated e-mail again Saturday XX/XX/21 I send them a reply with more documents INCLUDING me having to send a picture of myself holding my passport Meanwhile NOT ANSWERING any of my many questions, just automated e-mail after another. I don't think I have ever felt this ignored and disrespected in my life. 

A few more automated e-mails requesting my documents then finally they sent an e-mail saying because I didn't comply they were closing my ticket, and if I wanted them to unfreeze my account I'd have to open a new ticket requesting assistance ARE YOU KIDDING ME? 

-Finally I sent them an e-mail that Sunday requesting that they return my money and close my account, tired of being treated like trash and not being able to access my money. 

-It 's Tuesday night and after a few e-mails asking for the return of my money and closing of my account they haven't replied with a single e-mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I was routed to an employee with XXXX  by the name of XXXX employee ID XXXX. When I attempted to find out why my credit score went from XXXX to XXXX, because the notification stated that the " consumer disputed the account '' which I knew this was not true he advised me that in order for me to obtain that information. I would have to pay {$15.00} to receive my credit score verbally or to have the remarks read to me that were left on my credit file. 

I immediately stated that I would like to speak to a representative in the United States. Every time I call XXXX  I am routed to an International representative. XXXX employee ID XXXX routed me back to the United States in order for me to get the information that was requested, but upon obtaining that information. I found that the remarks were reported incorrectly neither I or my credit card provider had reported that I was disputing the entire account. 

When I contacted Transunion I couldn't even get anyone on the phone they have an automated systems that refuses to put you into contact with any live representative. 

Regarding XXXXXXXX XXXX. I would like to know why they are changing accounts numbers on accounts that if ever need to be referenced would no longer exist under the same account number?
Product: Credit card or prepaid card

Fraudulent/ Wrong/ Billing Error or identity theft was being done to abuse my tjx credit card without my permission. I didnt give permission to tjx to abuse me ; or my credit card or me for marketing purposes. If they have done that then they need to pay me. 

My bill was {$900.00} on top of which I paid {$200.00} further as a bill payment via my XXXX XXXX XXXX account Online bill payment. 

XXXX launched their XXXX XXXX and tjx increased my bill from {$900.00} to {$2700.00} without me using the credit card and now they want me to differentiate which ones are my transactions and which ones are fraudulent transactions. That representative apologized which ones are somebody elses transactions. 

I told them that I just know that my bill right now should be {$900.00} ( as later on I paid approx. {$200.00} more then now the bill should be around {$700.00} which I need to pay off. ) XXXX is not my bill. 

Few of tjx billing department representatives called me and confirmed that yes there was a billing error ; which caused a problem. He apologized and affirmed that they will remove the remaining wrong charges / billing on my account caused by their mistake and I dont need to worry about this issue. 

After few months when they didnt adjusted the bill I called the helpline but their representatives were misbehaving and were very abusive and forced me to call and create a complaint with XXXX and CFPB by saying that if you have a problem then go create a complaint against our bank because their senior management is involved in this fraud. I dont know the representatives from tjx who called me ; either they called me from their cell phone or it was an official call. 

Please help is required in guiding tjx XXXX XXXX to remove the wrong billing out of my bills i.e. {$2700.00} - {$700.00} = {$2000.00}. Which I didnt use nor I am aware of who did it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is allowing Portfolio Recovery Associates to do Hard Pull inquires every few weeks they are doing HARD PULLS Inquires without my permission or authorization. PRA did HARD PULLS XX/XX/2019 and now Im showing another HARD PULL XX/XX/2019. This is illegal.
Product: Mortgage

Statebridge Company has reported my mortgage payment as being " late more than 30 days '' when no such thing occurred. Statebridge had wrongfully charged me for forced placed insurance and has since admitted to this " mistake '', to put it lightly. The correct and on-time payment I sent for XX/XX/2018 was accepted by Statebridge but not applied to my account, claiming the funds were insufficient due to their wrongful assessment for forced placed insurance. The reporting of my account being delinquent, to the credit bureaus, had caused my credit score to drop by 49 points, severely effecting my creditworthiness.
Product: Credit reporting or other personal consumer reports

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 


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: Debt collection

Unifund CCR bought junk debt for less than a couple pennies & am now harassing me non stop on the phone well after 9pm, with mail, and they even showed up at my house looking for me. They claim I owe XXXX to them, when the debt in question was a result of false charges made on my behalf from an ex. I have disputed this with all credit companies & got it properly removed from my credit report in XX/XX/XXXX. Now its XX/XX/XXXXand a company wants money from me on a debt that isnt even mine. They are trying to sue me over this false debt! Sharks