23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

The credit account was opened almost 24 months ago. I have been perfect with no payment issues and carry no balance as a standard but they wont review my account for a credit increase despite advertising they promote financial support for women. But despite expressing my concerns to them and bringing my excellent history to their attention, they ignore me. My measly limit has remained unchanged for nearly 24 months with no rewards or increase in credit. Nor have they communicated with me after my written correspondence to them. They are all talk and no action.
Product: Credit reporting or other personal consumer reports

In accordence with the fair credit reporting act XXXX  Account # XXXX ... has violated my rights 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.
Product: Debt collection

I received a robocall that identified as citifinancial. I have XXXX cards in good standing with CitiBank so I answered. It was a robocall from an unidentified company. I was transferred to someone who identified himself as XXXX XXXX. I informed him that my CitiBank cards were in good standing and he said it was not about a citifinancial account. I asked why the caller id said citifinancial and he would not answer. He stated it was a courtesy call to allow me to avoid be sued. I asked him to provide documentation of the debt. He refused and said I had already been provided documentation. I have not received any written notification of debt owed in over 10 years. Unfortunately, he would not provide the company name nor who the debt was with. He said since I wanted to go head to head about this, he would see me in court and hung up. 
At no time in the conversation did he identify the company nor did he say he was a debt collector. I believe this actually was the same person who has called before that I filed a complaint about on complaint XXXX XXXX. I am filing a new complaint because the phone number and caller ID was different and I am not sure if it is the same person.
Product: Checking or savings account

i received a text message saying your bank account ending in XXXX will be credited by manual XXXX  transfer kindly corporate with the accounts team in order to start the verification procedd reply with your name and billing address i thinking because they knew the last 4 digits of my account number the text was legit they stated i will be getting a credit from XXXX XXXX from XXXX in the amount of XXXX they requested me to do a demo transaction of XXXX  to XXXX using XXXX  they then said your account is suspended they also gave a name of XXXX XXXX address XXXX XXXX XXXX XXXX fl XXXX account XXXX routing number XXXX he insisted the only way i would receive the money back was to cooporate with them
Product: Credit reporting or other personal consumer reports

There is an account on my credit report but I don't have a Citibank account. I contacted XXXX and they claimed that Citibank conformed it was my account but when I call them they have no record of an account with my SSN.
Product: Credit reporting, credit repair services, or other personal consumer reports

A couple of days ago,  XXXX   XXXX    XXXX  , I go to check my credit report and was surprised to see that I had  XXXX  duplicate accounts in collections from the same company,  XXXX   XXXX   XXXX , for the same exact amount from the same original creditor,  XXXX . I was livid because I felt as though they were being deceptive with their reporting and wanted to try to get me to pay twice. I got their number online and called them in hopes that they would help clear this matter up. The person that I spoke to was no help. He said that it appeared to be a duplicate but there was nothing he could do to help at that time. If I have to, I 'll consult with an attorney about what steps can be taken to get this rectified but I would like to get this taken care of on my own.
Product: Credit reporting or other personal consumer reports

Social security # XXXX have been shared with XXXX XXXX and members of his team who are not legal employees of the government. My security has been breached. My entire credit report is no longer safe and therefore null and void.
Product: Credit reporting or other personal consumer reports

Equifax is relying on XXXX XXXX, who is reporting inaccurate information and verifying inaccurate information on my credit report concerning a bankruptcy. The U.S. XXXX  XXXX does not report case information to credit reporting agencies per the attached letter from the XXXX. 

Specifically, XXXX XXXX is verifying account numbers that are different to Equifax, XXXX and XXXX. The credit reporting agencies have all indicated that the information was verified by XXXX XXXX, not the U.S. XXXX  XXXX. XXXX XXXX has indicated that it used information from PACER, not the Court. The information is from PACER is different than what XXXX XXXX is providing and verifying to Equifax, XXXX and XXXX and therefore inaccurate. Please see attached. 

The credit reporting agencies are using information that XXXX XXXX purchased from a disinterested third party that is unreliable, incomplete and inaccurate. 

Since it did not get the information from the XXXX  XXXX and the court doesnt report case information to XXXX XXXX, it has verified inaccurate information and the credit reporting agencies have used this information willfully and negligently. A violation of the statute.
Product: Credit reporting or other personal consumer reports

I am writing to dispute multiple inaccuracies on my credit report and request immediate correction to ensure 100 % accuracy, as required under the Fair Credit Reporting Act ( FCRA ). There are several errors, including incorrect account types, payment statuses, and outdated derogatory marks, that do not accurately reflect my credit history.
Product: Money transfer, virtual currency, or money service

Today around XXXX central time, my CashApp account was locked due to fraudulent activity. I tried emailing, chatting, and calling CashApp without a resolution. The only automated message that I get is to wait 24-48 hours which I do not have the time to wait that long as I have bills due TOMORROW MORNING!!! Everything that has happened on my account has been authorized by ME! That includes any login attempts and transactions. Cash app did not give me the option to even verify my information so that I can access my account again which I believe is highly unfair to keep someone from THEIR OWN money that they worked hard for!!!! I have over {$200.00} that is untouchable at this moment in my account. All that I ask for to solve this is for CashApp to immediately/as soon as possible unlock my account and ask me for verification which I can provide. That is ALL I ask for to solve this problem or further action will have to be taken.
Product: Student loan

Good Morning, I am filing a complaint with the consumer financial protection bureau against Navient, my student loan service provider. Since XX/XX/XXXX i have held a student loan with them. From XX/XX/XXXX to XX/XX/XXXX/XX/XX/XXXX I have made my payments on time every single month. Typically we mail in 2 checks in one envelope to cover the costs of the loan. For the past 12 1/2 years we haven't had a problem. All of a sudden the past 6-7 months, every time we send our checks into Navient they are being misapplied. They keep telling us we owe them money when we send in exactly what their requesting of us on the bill each month. Theres no way we ever owe them anything else. And every month I have been calling them when I get the bill to discuss this with them ( Ive talked to two managers and countless reps ) and theyve admitted to me that theyve misapplied the payments. One manager told me to start sending in the checks and denote each loan number and amount on the bottom of the checks ... we did that and they're still misapplying them and saying we owe them. Of course they blame it on their computers and never once human error or carelessness. And every time I call them, they end up readjusting/updating my account to reflect paid on time status because they admit that I did send in what i was supposed to, its just that they misapplied it. I am beyond tired of having to call them every month for an obvious scam they're trying run. They need to be sued and shut down. Id appreciate a response. Thank you Kindly, Sincerely, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXXXXXX 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 ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Calls from a restricted number twice a week for months. I contacted the person who allegedly owes the debt ( if they even owe anything at all ) and they have contacted Comenity about this. The calls keep coming and they need to get their act together, I have no idea why they started XXXX me in the first place.
Product: Credit card or prepaid card

In XXXX, I had a minimum payment due around {$68.00}. When I tried to pay using LTE or 5G, it would not let me. For the record, I have never been able to pay my card on the Apple XXXX  app using data, it only allows me to pay using Wifi. This is normally fine, but in this month I was RVing from national park to national park and there was no WiFi at all. The only access I had to internet was via LTE and 5G cellular service. I called to alert them and to try and pay, but my phone calls were not answered. They never notified me that I would not be able to pay my bill over anything other than Wifi. I would like for these late payment marks to be removed from my credit report due to this unfair situation with Apple Card. I now can not get approved for a car loan because of the major hit this had on my credit score, and my current car is having lots of issues, so I'm in a very tough spot right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found multiple fraudulent accounts on my credit report and have tried to correct with the credit reporting agencies. This is a violation of 15 USC 1681a, 18 USC 1028A, 18 USC 894, The Gramm-Leach-Billey Act, and RICO. The following accounts and hard inquiries are fraudulent and I demand their removal from my personal credit report. 

Disputed - Hard Inquiries XXXX XXXX XXXX ( Bank ) XXXX XXXX ( Bank ) XXXX XXXX ( Bank ) Disputed - Accounts XXXX XXXX - {$40000.00} XXXX XXXX XXXX XXXX - {$990.00} XXXX XXXX - {$650.00} XXXX XXXX - {$260.00} Disputed - Account Numbers XXXX  - XXXX XXXX  XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX Thank you for your help in protecting my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letter to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In my report wrote not right my address, where I never living. 
In my report request from, - XXXX XXXX, XXXX XXXX, consumer portfolios XXXX, XXXX, XXXX XXXX XXXX, what I never do, part of them do my husband, part of them all ready paid full by my husband, but system add all this to my report and additionaly wrote request done but never finance or paid, really for example XXXX XXXX paid full one years ago. 
I never do any cars finance, all this for me do my husband, but when he right complain about not correct credit report this system transfer his request to me, and wrote it is never paid. 
I do request XXXX XXXX medical group three time from XXXX, please explain reason this bill and send it to me.I do not see this till now, but they add in my report two collection account. 
Please let me know what it is, -illegal business, discrimination XXXX people, infridgement personal freedom because someone need improve self credit report?
Product: Checking or savings account

XX/XX/2020,, Contiued Issues,, That Has Not Been Solved Yet,, Mr XXXX XXXX, Which Is The Ceo Of This Company Now,, And I Also Know That,, Mr XXXX XXXX, and Mr , XXXX XXXX Had Got Fired Or Stepped Down From This Mess That They Created,, So I Would Like To Express My Feelings About These Issues,, If You Think That I Like This,, No I Don't,, They Should Be Held Accountable For All This Mess,, This Has Been A Very Long Exprience And Very Upsetting,, Looks Like This Bank Took Money From Me And My Family, And Throw Us Under The Bus And Forgot About Us,, So UnAcceptable Promises,, Old And New!!!,,
Product: Money transfer, virtual currency, or money service

I recently made some transfers from my USA checking account to my account in XXXX using the online money transfer service, Wise. Although the money arrived in my XXXX account without any issues, I noticed that the currency in dollars was not deducted from my USA checking account. 

However, when I tried to contact Wise to resolve this issue, I found out that my account had been blocked without any prior notice. I was waiting for them to deduct the money from my checking account, but now I am unable to access their chat support or reach them over the phone. 

This problem is causing me a lot of inconvenience as I need to pay my bills in XXXX, and it is affecting my credit score. I have been using Wise for almost XXXX years without any issues, so this situation has left me feeling unfairly treated.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$1600.00} XX/XX/XXXX XXXX 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  IL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX IL XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX IL XXXX XXXX XX/XX/XXXX
Product: Credit reporting

Transunion has re-inserted XXXX twice on report.also fraudulent inquiries ( XXXX, XXXX, XXXX, XXXX
Product: Mortgage

My mortgage company ( Ocwen ) did not pay my flood policy which had cause my flood policy to elapse. I had contacted them several times before my policy had elapse in which they had stated that need to research what happen. I also called them with my insurance company ( XXXX ) on the phone which had confirmed with them that a statement was sent twice and the policy still was not paid. 
Ocwen representative had stated that they will issue a payment. The next month I contacted my insurance company to make sure that the policy was paid and was told that not only was my policy not paid, but now had elapse. Since I am required to have flood insurance I had to have another policy made. The new policy was significantly higher then my last policy. It went from around {$540.00} a year to {$3800.00} per year. This new policy had caused an escrow shortage which in return cause my mortgage to increase. 

My insurance company had explain to me and the Ocwen representative that had my policy been renewed prior to it being elapse that my policy would had remain at the {$540.00} per year. Ocwen told me that they would reimburse me the difference. This was about eight moths ago. Every time I call they give me the run around saying that at first they lost my account number to it will take 30 days. It have been well over eight months. The last time that I 've spoken to a Ocwen representative was on XX/XX/2016. I 've spoken to a supervisor from their insurance department name XXXX XXXX. XXXX XXXX told me again that they will need another 30 days. 

I called them back today ( XX/XX/2016 ) and was told that they was still working on it. When I requested to speak with the supervisor again the representative stated that " there nothing that the supervisor can do the she ca n't ''. She then continue to deny me to speak with a supervisor. 

In all my mortgage payment had increased twice this year for a total of about {$450.00} for Ocwen refusal to pay me flood insurance.
Product: Debt collection

XXXX is sending me collection notices from an account that is not mine. The balance on this account is XXXX for a PayPal Credit Account that is not mine. Collection notices are coming to my house.
Product: Credit reporting or other personal consumer reports

I checked my credit report this morning and I was disappointed because of unauthorized inquiries. I have no idea why this happened to me because I have no knowledge regarding any of these inquiries so please check the documents I've sent.
Product: Debt collection

Beginning XX/XX/XXXX-XX/XX/XXXX I made many attempts to correct this error reporting on my credit files with the 3 Credit Bureaus & was unsuccessful because my dispute results with the Bureaus came back as verified by the furnisher of the account within the last 6 months. So I decided to reach out to this creditor in XX/XX/XXXX & XX/XX/XXXX by sending them a Debt Validation Letter but they on both occasions sent me what looks like a contract with a typed name on it. Im disputing this because I never a had relationship with the collection agency nor the original creditor. They havent provided me with any viable piece of evidence that proves that I owe this debt, not a SIGNED contract with my signature on it or agreement to pay the said debt. I also would like to add that my identity was stolen & used on several occasions because I had lost my wallet on public transportation between the years of XX/XX/XXXX-XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I had a payday loan with Big Picture Loans. I did a debt consolidation through my credit union. I spoke with a customer service rep who gave me the payoff balance. A payment in full was sent and received by Big Picture Loan on XXXX XXXX, 2017. They are still trying to withdraw money from my account. They state I needed to sign over Power of Attorney to my bank in order to payoff my account. There is nothing about any Power of Attorney during early payoff in my loan documents and my bank has never heard of anything so ridiculous as signing over Power of Attorney to them so I can payoff my loan out of my own account. My loan with Big Picture Loans is paid in full and they 're still trying to take money out of my account!! Please help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called each Bureau numerous times to correct my name and address.They are reporting my name incorrectly also my address. My names has the incorrect spelling. They have address I have never lived. I asked to just update with current address and delete those that I have never resided and nothing happened. I called and sent in letters. I have also sent in 609 letters requesting accounts to be verified and they mail me back a report stating updated. I requested each bureau proof on paper to be mailed to me of each account showing to be verified and updated. If they can not provide that proof they should delete it immediately. All this is what i sent in my 609 letter. I received no verification from any account. I want all to be deleted and my name and address to be correct. This is taking a toll on my financial situation. I want what belongs to me and everything that is not mine to be deleted. I want accuracy. I am fighting for my report to be correct and they are ignoring me. I want proof of every account they have, that is supposedly mine. I want my name to be correctly spelled. i want my address to be correct and every address not mine gone. I want the correct social security number on there. I just want accuracy.
Product: Prepaid card

XX/XX/year>2024 -received a deposit from EDD XXXX insurance to Money Network card -unauthorized transfer of {$1500.00} from my Money Network card to an unknown account the same day -reported the theft to Money Network and they said I could file a dispute XX/XX/year>2024 -I had not received any dispute forms so I called to inquire about the status, they informed me that my dispute had been denied because the money was transferred to a personal bank account -I requested details about this account and they could not tell me anything more than the account ends in # XXXX. I have no association with this account. 
-I was denied access to my Money Network online account and could not retrieve information about the transaction myself. 

XX/XX/year>2024 -filed an appeal via email with documentation -I have attempted to call the bank multiple times for updates and I have not been able to get through to anyone. when prompted to enter my card number, the call gets denied. 

***I am filing a complaint because I feel that Money Network is delaying this dispute process, they are not communicating with me properly, and they are not resolving the issue. It has been a month and a half since the theft was reported. I have never received a provisional credit. They are not providing me with information and are preventing me from accessing the information myself. They denied my dispute based on information that I do not feel is adequate. At this point, I am unable to contact them via phone or email, and I have not received a status update on my claim. ***