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

This is to inform you that the account listed below is reporting erroneously & is inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due on XX/XX/. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof. 

XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Had an issue with my account which was on autopay being paid after receiving a notice that my account was 45 days past due. I reached out to customer service, which is only accessible via email to have the issue resolved. After troubleshooting, they came to the conclusion that the issue was internal with their mobile app. I was then transferred to the IT department so they could investigate further. After three weeks of going back and forth, they were finally able to manually link my bank account. As soon as my accounts were successfully linked, I scheduled a payment to have my past due balance taken care of. A couple of days later I received an email that they were terminating me and transferring me to another bank. When I asked why and explained that I was in contact with them to resolve an issue that was at no fault of my own they told me that they cant answer any of my questions and that my account had been transferred. My credit score has no plummeted due to an issue on their end and they refuse to give me any further answers or help.
Product: Debt collection

Several phone calls were made to the collection agency as well my insurance company. On XX/XX/2014 the sum total of {$560.00} was billed to me after attending the ER. I have insurance coverage for that, but yet I was billed for the service.
Product: Checking or savings account

Zelle took XXXX out of my XXXX XXXX account sent it to my boyfriend and when he tried sending it back zelle won't let me enroll to get my money
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a major issue with the credit bureau in regards to its reporting of several account from XXXX XXXX. I do have a few accounts with XXXX, however there are some accounts that I personally did not open and I also have duplicate accounts, well they are not necessarily duplicate, however they are from the same company for the same card with different account numbers where neither of these accounts were open by me. I have disputed these inaccurate accounts with the creditor and also with the credit bureaus. I have send request for validation of debt to the creditor by way of certified mail. I get no response and the credit bureau all though they are aware of these non-responded validation of debt request they refuse to remove these account from my credit profile. I have followed all necessary steps required by the fair debt collection and fair credit reporting laws and still have gotten nowhere. I would like to have the following accounts researched and deleted ASAP from my credit profile. I have given below both accounts that are mine as well as the ones that are NOT my accounts. 

Accounts to be removed : XXXX XXXX/ XXXX XXXX Account # XXXX I do not know the amount as it is not displayed on my credit profile. 

XXXX XXXX/XXXX Account # XXXX I do not know the amount as it is not displayed on my credit profile. 

XXXX XXXX/XXXX XXXX Account # XXXX I do not know the amount as it is not displayed on my credit profile. 

XXXX XXXX/XXXX Account # XXXX {$4500.00} XXXX XXXX/XXXX XXXX Account # XXXX and Account # XXXX Dont know why there are 2 XXXX XXXX accounts reporting for one person, but ... ... Both needs to be removed as I never applied nor opened a XXXX XXXX account. 

XXXX XXXX XXXX DC Account # XXXX *************Accounts that are mine and not in dispute*********** XXXX XXXX/XXXX   store card Account # XXXX XXXX XXXX/XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX While I am aware some accounts are mine. Some are not and I have followed what I should to have these removed and nothing has happened.
Product: Money transfer, virtual currency, or money service

This has been a rather arduous experience having to deal with a fraudulent payment for goods never received by an individual. This payment was remitted using US Bank 's transfer method of sending money via XXXX XXXX. Payment was sent on XX/XX/2019 in the amount of {$400.00} for auto parts which were to be mailed once the funds were successfully submitted. This is an individual whom I've never had dealings with aside from a few text messages specific to the part and costs. After successfully sending this payment, I never heard back from the receiver. It is now XX/XX/2019, two months later. Since then I've contacted US Bank and spoken to numerous staff members with the fraud and claims department. This first claim filed ( # XXXX ) was denied as it was improperly taken in as per my later findings. Subsequently, I contacted my local branch manager, XXXX at the XXXX XXXX XXXX, CA branch of US Bank. She then assisted in putting together a new claim for the same issue ( ref # XXXX ) on XX/XX/XXXX. As of my follow up call today to US Bank I am being told that this claim was once again denied. I called and spoke to the branch manager as well, and in short, this was her response to the matter as well. This is activity is fraud and the method of payment was fully followed based on the US Bank 's directions to send such payments. Subsequently, the bank has failed in honoring and doing the right thing by their customer largely due to lack of oversight within the process, in my opinion. I kindly request this amount paid by means as such be refunded back to my account accordingly. Thank you for listening. Loyal customer.
Product: Credit reporting, credit repair services, 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 confidentaily under 15 usc 1681.i told XXXX XXXX and XXXX  to reinvestigate these accounts XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15 u.s.c 1681 section 602A. states i have the right to privacy.15 u.s.c 1681 section 604 A section 2 : it also states consumer reporting agency can not furnish a account without my written instructions.15u.s.c 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the folling items of information any other than records of convictions of crimes which antedates the report by more than XXXX XXXX15 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.Also they arent even in compliance with XXXX XXXX credit reporting.I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX. My date of birth is XX/XX/1989 and I am a victim of identity theft and have been trying to get the credit bureaus to remove the following accounts that have to do with this theft. The following accounts are a result of identity theft : XXXX XXXX XXXX XXXX XXXX They originally removed these accounts XXXX XXXX  XXXX XXXXXXXX XXXX XXXX But did not block them and these theft related accounts have reappeared on my report. I have sent letters, filed police reports, etc. I sent all of this with each attempt to get the bureaus to assist me in resolving this with no success. 

I have sent numerous requests for them to remove these items and they make me wait up to 60 days just to do nothing or remove the items and let them rereport.
Product: Checking or savings account

I opened a new BMO Harris account on XX/XX/XXXX using a promotion to receive a {$200.00} bonus after making at least 2 direct deposits of {$300.00}. 

I had payroll deposits from my employer ( XXXX XXXX ) three times for {$500.00} each. 

After waiting the 120 days required, I never received the promotional sign up bonus.
Product: Mortgage

The company Bank of America offered me to apply for a new modification program in XX/XX/2012. Which I will receive significant principal reduction and would reduce my monthly payment up to 35 per cent. When I accepted the offer I didn't hear back from Bank of America. However, doing my inquiry about the reduction, I was told it would show up at the end of the loan. When I requested paperwork to show these modification 's. The bank is now saying the modification 's isn't there. I said that l don't understand. Now Bank of America is stating it's to late for the modification. I feel that I have been taken advantage of and wasn't ensure fair treatment. Now all I'm getting is the run-around, costly surprises from by servicers. Bank of America should have told me about my options and given me time to apply and be still considered for loan modifications under the same guidelines and better alternatives. Immediately.
Product: Credit reporting or other personal consumer reports

I have mailed and completed online disputes on my credit report for the following debtors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have requested to receive documents that have my wet signature that I entered into a contract with, and never received documents. Account with XXXX XXXX has been paid in full and have no late-payments and the company has been reporting incorrectly for the past year. I have submitted and emailed reps at Experian with proof that the car was paid with a trade in purchase from XXXX. XXXX XXXX is an issue of identify theft and have reported to proper channels this debt has been removed from XXXX and XXXX but yet remain on my report. The other accounts listed I have no knowledge of and are identity theft because I have no knowledge and have made no dealings with these companies
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting

The item is currently in DISPUTE. This is concerning collection account XXXX account XXXX in the amount of {$1100.00} for XXXX XXXX services. I attempted to contact XXXX several times, to no avail. So I contacted XXXX and found out that the past bill was for " unreturned equipment ''. I gave the company the correct info and the bill was corrected. I DO NOT OWE ANYTHING TO XXXX OR XXXX. I am providing a statement from XXXX XXXX as supporting document. I want this account DELETED immediately. I even FAXED the statement to Equifax @ XXXX on XXXX/XXXX/16. This account is damaging my credit.
Product: Credit reporting or other personal consumer reports

UPON REVIEWING MY CREDIT REPORT I SAW NEGAITVE INFO IN MY CREDIT REPORT
Product: Credit reporting or other personal consumer reports

XXXX responded back on XX/XX/year> XXXX not address the issue of removing from my credit report this XXXXXXXX XXXX XXXX off all XXXX credit Bureaus. 

XXXX needs to delete from all XXXX credit Bureaus this account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Affirm accounts shows on my credit as an open account i contact affirm they were not able to find an an account under my social i have never authorized affirm to open an account never have any business with them Need this to be removed from my credit
Product: Credit card or prepaid card

I received a notification through my credit monitoring service on XX/XX/19 that Citibank had performed a credit inquiry which I had not authorized, dated XX/XX/19. I disputed the inquiry with XXXX on XX/XX/19, and on XX/XX/19, XXXX advised that they would not remove the inquiry without Citibank 's approval. I contacted Citibank on XX/XX/19 using the phone number provided by XXXX. Citibank advised at that time that the account had been closed as a fraudulent application, and I would not receive a card or bill in the mail. On XX/XX/19, I requested a fraud alert through the credit agencies. On XX/XX/19, I received an unsolicited Best Buy credit card in the mail from Citibank. On the same day, I sent them a letter provided by the FTC outlining the situation and requesting confirmation within 30 days that the situation had been resolved. On XX/XX/19, a Citibank credit card appeared on my credit report with a balance of {$2300.00}. On XX/XX/19, I received a second Best Buy credit card, with a new card number. On XX/XX/19, I contacted Citibank again, who advised that the account had not been closed or marked as fraudulent ; they then claimed that it had been closed " properly '' and forwarded to their fraud team. On XX/XX/19, I received a bill from Citibank in the amount of {$2300.00}, along with a letter saying the amount had been disputed and did not need to be paid. No further confirmation has been received from Citibank confirming that the unauthorized charges have been removed, or that they will no longer attempt to collect on the fraudulent balance.
Product: Payday loan, title loan, or personal loan

I was talked into getting a Truist Bank home equity loan By my branch. I took the loan with the understanding that according to my loan originator XXXX XXXX, Who gave me all of the options and I chose to have a fixed rate for 15 to 30 years at 7.54 % that was supposed to be for the full loan. I went ahead and started using some of the money or some of the loan and everything was fine until I did my sixth amount then they changed it to variable. Truist said I could only use it 5 times. When I requested to the my branch to fix it they said they would add the last two together which would go back to five and then they would change it back to fixed once that was done. The main branch or the corporate office changed it back over from variable to fixed and then they raised my interest rate to 10. 02  %. I have been trying for a month to get this fixed back to the correct interest amount and the corporate office says they are allowed to raise the interest whenever they felt like it, to the interest level of the government even though my contract says fixed at 7.54 %. They told me today that the branch manager is the only one that could change it back to the 7. 54 %, however the branch manager XXXX XXXX will not return my phone calls will not speak to me and even will not talk to the branch itself when shes not there and will not do anything to help me and this is been going on for a full month Im sick of dealing with them and they need to fix what they screwed up.
Product: Credit card

Took a trip to XXXX XXXX XXXX in XXXX 2015. Was invited to a timeshare presentation by reps for " XXXX XXXX XXXX '' working in the airport arrival area. Attended their presentation, eventually they convinced us to sell our old underused campground membership to them ( at a profit to us ) in exchange for a timeshare condo product, discounted via various incentives, presently being built in downtown XXXX. They took a down payment of {$10000.00} on our Chase XXXX Visa for purchase of their timeshare. 
Incidentally, because this was a very good deal for us ( sale of our old campground membership covering cost of new timeshare ), we actually called Chase before committing to ensure that if things fell through we could be protected ... and we were assured they would cover us. 
Long story short, " XXXX XXXX XXXX '' never provided funds via correct/save/valid escrow process to purchase our old campground membership, we never got any timeshare product from them at all, and they still have our {$10000.00}. The down payment was never returned *despite* a signed contract addendum saying monies were to be returned to original parties if transaction fell thru. 
We later found out it was all a money-laundering scam ( via XXXX ), many other parties have been defrauded in exactly the same way, by the same guys. ( Documentation is attached ). Disputed transaction with Chase, they disagree that it was fraudulent and/or not valid. However we never got a timeshare, we never sold our campground membership to them, no money was returned to us, we are out {$10000.00} and we have nothing. This was a scam. 
After we made a dispute/fraud claim with Chase Visa, Chase denied the claim. ( XXXX XXXX club simply provided " evidence '' showing a receipt of the transaction ). 
So we attached more documentation and re-submitted. Chase eventually replied with a letter stating they simply " disagreed '' that our claim was valid. Despite the transaction being a definite scam, we were " jacked out '' of {$10000.00} for NOTHING. 
Not sure how Chase can rationalize that we received a " valid product or service '' for our money. 
Chase should honor their card fraud protection guarantee with us.
Product: Checking or savings account

I bank with chime ( XXXX ) bank. I had money withdrawn from my account by chime who initially stated a vendor double charged my account, after an investigation by vendor and XXXX that was determined to be not true. Also my overdraft limit was raised without it showing on dashboard and was already maxed out negative. Also the times of charge are XXXX hrs apart so vendor could not possibly charged before they knew amount. I have provided chime with this information and they continue to hold my funds XXXX. While not a large amount this is a tactic chime employees are using to skim money off of members accounts. I have spoke to several other members this has happened to as well so its definitely a possibility.
Product: Credit card

So in XXXX I was late due to forgetting my password and not being able to reset cause I didn't have my account number and their automated call system made it impossible aswell. So when I was able to to pay them when I got home from a long trip, I called again and got the late fee dropped, through their automated system again and thought i was all caught up cause i didnt use it all that month. But then when I went to use it in XXXX, the card was shut down. Wasting a trip to the store. Called them while there and spend almost an hour talking with 2 different people. It was a 2 dollar fee that shut me off when I wasn't even 2 months late on that 2 dollars.. they refused to drop the the interest on the late fee and said they couldn't reactivate the card for weeks even if I paid the dollars. So I told them if we can't this solved the way it needs im done paying on either of the accounts I have with them. ( Lowe 's and care credit ) cause I needed a new fridge unexpectedly and my dog needed put down.. the only reason I had a card cause ive been so tired if the credit card companies with their rediculous fees and interest punishments.. they refused to work with me so now I refused to work with them. They are impossible to speak with with all the automation and they should not have a free pass to mess up people 's credit over internal disputes. The people need power to put these companies in check. 2 months of reporting both accounts and dropped my score almost XXXX points. And I need a new roof and other big things to where I might need a stupid loan again. Tired of the debt slavery.. across the board in this country. No reason for it. I'm a combat veteran and constantly getting screwed in this economy due to the fincial tactics and career choice in the metal and construction industry. I should not have to be in debt to build a house ive spent life learning how to do and doing for others! We need change and my reps wan na blow me off recently too. So I've been taxed to and indebted to death with no representation. It's beyond messed up and im beyond XXXX, if you cant tell.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX