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

XXXX has been, and is currently, reporting my XXXX store card inaccurately to all three credit bureaus, and to XXXX XXXX who currently holds the account. 

I have disputed XXXX/XXXX with XXXX, Experian, and XXXX. I have had zero success and they are all still reporting this account delinquent and/or have not provided validation of the debt and its accuracy. 

I also called XXXX bank XXXX card services via XXXX ( XXXX ) XXXX on XX/XX/2019 and spoke with a representative who informed me that they do not have any of my account information anymore due to the migration to XXXX XXXX. I asked the representative numerous times to provide my account history, statements, information, alleged missed payments, due amounts, proof that it was closed in XX/XX/2019 and WHY or HOW it was when they did not own this account, and the reps told me that my information wasnt accessible because they dont have any of it on file. Apparently after they sent it to XXXX   XXXX, whom they reported my account closed in XX/XX/XXXX to, the account was no longer in their system. It did not exist. This is a problem as XXXX XXXX only has statements up until XX/XX/2019, is stating my account was closed as of XX/XX/2019, and collected {$160.00} on it this month without me knowing it was a closed collection. I called XXXX XXXX ( via the number on the back of my XXXX card ) and they told me they can not do anything as of right now because my account was reported as closed in XXXX and that is all the data they have from XXXX The rep from XXXX XXXX told me to call XX/XX/XXXX to see if they could do something about my card being closed and inaccurately reported, but XX/XX/XXXX stayed they no longer have my account information in their system. Additionally, the XXXX XX/XX/XXXX XXXX rep told me that I could just reapply ifXX/XX/XXXX couldnt provide any information. I re-applied for the XXXX card through XX/XX/XXXX XXXX and received a denial letter with the reason stated as follows : Based on your application information, we observed activity on a prior XXXX XXXX account that is not consistent with our expectations for account usage or the terms of the account agreement. So, I was denied due to the current XXXX card account status that is reported as closed invalidly, as well as incorrectly documented in their system, having no information past XXXX of XXXX. This account, the one that wasnt closed at all actually, the oneXX/XX/XXXX ILLEGALLY closed this month XX/XX/XXXX when they transferred/dont even have access to or own my account. 

Im literally stuck with a plummeting credit score, loss of time spent trying to correct this, and paying for a closed card that has no actual records beyond XX/XX/XXXX on either end.
Product: Credit reporting or other personal consumer reports

To XXXX and Experian I am bringing to your attention inaccuracies on my credit report that have been improperly verified as accurate, despite providing sufficient evidence to the contrary. Attached is proof showing that the information you continue to report is incorrect. Your failure to correct these errors after Ive notified you is a violation of the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), which requires you to conduct a reasonable reinvestigation, and section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which mandates that you maintain maximum possible accuracy in the information you report. 

Given these clear violations, I request that you promptly remove the inaccurate information from my credit report. I expect this to be handled urgently and in compliance with the FCRA. 

Thank you for your immediate attention to this matter.
Product: Credit card

Someone opened a Bank Of America credit card in my name, fraudulently, on XXXX/XXXX/XXXX, maintained the account for four months in order to increase the credit limit, ran up a {$5500.00} bill in the interim, and then stopped paying, after which Bank Of America promptly closed the account on XXXX/XXXX/XXXX. 

According to XXXX, " According to our records, on XXXX/XXXX/XXXX Bank of America # XXXX was deleted from your XXXX credit report per the police report you provided. On the same day, Bank of America was notified the account was deleted. However, on XXXX/XXXX/XXXX, Bank of America reinserted the account to your credit report ''. 

I did not open this account and I do not know who did. I 've faxed a copy of the XXXX XXXX XXXX Police Department 's Police Report along with a notarized I.D . Theft Affidavit to the bureaus and have attached them here as well. After repeated requests, the bureaus & Bank of America refused to provide me with any information obtained from their investigation and with anything regarding their rationale for reinserting the credit item. 

I need the credit item being reported to the credit bureaus removed from my credit file immediately. 

I look forward to your response,
Product: Money transfer, virtual currency, or money service

Appx between XX/XX/XXXX and XX/XX/XXXX {$800.00} was taken from cash app account that was sent from my XXXX XXXX account that allegedly sent my cash app account for me. It looks like it was sent to my cash app account but it was rerouted to another cash app under my name but I never received it. I first filed a complaint with XXXX XXXX but it was denied stating it was sent to my cash app account. Someone at cash app is doing something very fraudulent. Someone even changed my XXXX benefits direct deposit from XXXX XXXX to to be direct deposit into XXXX XXXX which is a cash app account but something went wrong when it was sent to XXXXXXXX XXXX and was returned as a bad address for direct deposit to the XXXX XXXX. Cash app via telephone wouldn't give me any info concerning that XXXX can't even reach them online now. Cash app wouldn't reply to my email concerning this matter. Other small amounts has been missing but the {$800.00} is too much to lose at once
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020 I parked my XXXX vehicle and in front of my brothers house in XXXX XXXX, NY to go on vacation. The car was reported as abandoned, ticketed, booted, and towed during my vacation. Also during my vacation, the COVID pandemic took hold of XXXX. Upon return, I tracked down the vehicle to XXXX XXXX towing in XXXX XXXX. I was informed it was a city tow and would need to be resolved with the city, they were unable to release. I contacted XXXX, I learned i would need to go to the DMV to pay fees. However, the DMV was closed due to COVID. 

From the months of XXXX through XXXX I kept in regular contact with XXXX, XXXX XXXX, and Nissan Motor Acceptance Corp informing them I had not abandoned the vehicle, was simply unable to take the vehicle due to COVID pandemic. 

In XXXX, I made my call to Nissan to follow up as usual and they informed me the car was scheduled for repossession the next day. I arrived to the XXXX finance office that afternoon to see if there was anyway to get the car out of impound. I was told it was impossible without having it released by the DMV, which was closed. Unable to make any type of resolution with XXXX, XXXX XXXX, or NMAC, NMAC repossessed the vehicle. 

I promptly paid the repo fee as well as fees that XXXX charged NMAC for storage of the vehicle during COVID ( NY charged storage fees daily even though I was unable to get the vehicle back ). Nissan reported to credit agencies a repossessed vehicle. 

When I did not have the car, I did not miss a payment. I did not miss a payment when they repossessed, and did not miss the subsequent XXXX payment after I paid NMAC greater than {$2000.00} to get the car back. Despite my loyalty and financial responsibility, NMAC is unwilling to remove the report as a repossession in XXXX. 

I have called NMAC, wrote the credit agency with NMAC, and disputed with the bureaus. Nissan continues to refuse to change the mark in XXXX from repossession to paid, despite a positive payment being made that month.
Product: Checking or savings account

XX/XX/XXXX I made two purchases online. The seller sent fake coins. 

XXXX XXXX XXXX MD XXXX XXXX  XXXX   XXXX MD XXXX I returned both orders back to them XXXX. 



XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  improperly billed for an incomplete improperly installed HVAC home improvement project. The project financed remains incomplete, does not comply with state and local codes, is unsafe as installed and in dispute. No payments have been made on the account. Billing began in    XXXX    2017   , with the subseq uent three m onths showin g 30-60-90  days late payment. In  XXXX   XXXX  finally issued a statement ( due  XXXX   XXXX   2017  ) showing no amount due and no late payments. The  XXXX   2017  statement was sent to all   XXXX   credit reporting agencies to dispute 90 day late account report. Result of investigation from all  XXXX  credit reporting agenci es (  XXXX , Equifax and  XXXX  ) wa s to remove the single 90 day late for  XXXX     2017  from credit report and not remo ve the 30 a nd 60 days late for  XXXX  and  XXXX   2017  on the credit report. This is incorrect as all billing,  XXXX ,  XXXX ,  XXXX ,  XXXX  was and remains premature and statements from  XXXX  forward now show  XXXX  due and  XXXX  past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXXXXXX XXXX  secured Credit guard when I first started college in XX/XX/XXXX. I had called and closed that account after I got accepted with a regular credit card. 

Early this month XX/XX/XXXX. I was trying to get my account bank. So I tried to login to my account using the same email and password that I had. It works perfectly fine. Then when I tried to reapply for the card it gives me a message saying that my credit is too poor. My score is Currently XXXX. 

The bank then add an hard inquiry to Equifax. When I check my credit score it was going down because of that. 

Im really in the process of building my credit and can't afford an hard inquiry Please help
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX XXXXXXXX Balance Owed : {$580.00} XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX Balance Owed : {$660.00} XXXX XXXX Balance Owed : {$770.00} XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX Balance Owed : {$8400.00} XXXX XXXX XXXXXXXX Balance Owed : {$3700.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1600.00}
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 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 and list of Inquiries. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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/year>
Product: Checking or savings account

I opened an account with Truist Bank bank on XX/XX/XXXX. When opening the account, I deposited {$60.00} into the account. After switching my direct deposit and accepting my initial deposit, Truist then closed my account after unfounded suspicion of fraud. Apparently, this is common for them when people open accounts online trying to cash in on their bank bonus. 

The following week, I spoke to someone at the XXXX branch and they did not have a banker available for the week. With the nearest branch being an hour away, I ended up speaking to XXXX at the XXXX XXXX on Tuesday, XX/XX/XXXX to make sure he could help me and he told me that he could assist me anytime before Noon. I arrived at the bank at XXXX but was told that XXXX went on break and would not be back until XXXXXXXX  and was booked for the day. XXXX XXXX then attempted to help me but said that I did not have the right forms of ID. ID I had on me included a driver 's license, my XXXX  income taxes, car registration, health insurance cards, other bank cards from XXXX and XXXX as well as other forms of ID. But, she informed me that I needed a passport, XXXX card, employer ID or some other forms of pictures ID that I do not have access to in order to access MY money that Truist had stolen from me. 

The actions from Truist are extremely unprofessional and unacceptable. I drove an hour away to close my account and the banker wasn't there. I was not informed of the different types of IDs I needed and, even so, I do not have access to these types of IDs that they have requested. I have private insurance - I do not have Medicare or Medicare. I am not a student- I do not have a student ID. I am not in the military - I do not have a military ID. I do not have an employee badge as my company does not offer these.

I am looking to close my account and get my {$60.00}. I believe it is unacceptable to ask me to return to a branch after this debacle. I have already had to pay tolls, gas and waste my team dealing with this unprofessional bank. I just want my {$60.00} and it is unbelievable the hoops that Truist Bank is making me go through in order to get it. Between an unknowledgeable staff and unreasonable ID expectations, this is an unacceptable way to treat consumers.
Product: Bank account or service

Have had several issues with bank of America on their processing of payments. Had made purchases and what they do is hold the purchases and when a big transaction comes in they pay that out first and then I overdraft on all the other purchase resulting in multiple overdraft fees. contacted the bank several times and was told that is how they conduct transaction processing, Even though the other items were presented the night before they process checks first and then ACH transactions. Explained to them that is not fair to Consumers because they are taking advantage of them with all the fees.
Product: Debt collection

I have contacted Trident by mail and phone to request debt validation because this does not belong to me. A name that is similar to mine and an address I never lived at being reported on my credit reports by them via  XXXX . I contacted   XXXX   which they let me know the information did not match and that ALSO the date of the account was RE-AGED by Trident. So not only are they insisting on keeping an account that does not belong to be on my credit reports, they have also BROKEN & VIOLATED THE FCRA & FDCPA because they listed it from the time they purchased this account from   XXXX   in   XXXX   and  XXXX  informed me that the account was closed in  XXXX . TRIDENT is under SEVERAL VIOLATIONS and I have sent letters and calls and they have changed NOTHING.
I spoke to a supervisor whom attempted to lie to me and tell me it 's the credit burea fault it 's on my report and to file a dispute in which I have filed MANY and they keep telling the bureaus the information is accurate. At this point, I am going to move forward with legal action because   XXXX   XXXX    documentation proves them to be in violation. It 's a similar name to mine, NOT my social, nor my address as I live in NY and never lived in   XXXX   XXXX   XXXX   or any part of Florida. AND they also re/aged the account which is DIRECT VIOLATION of the FCRA as stated. They also lied and said they never received any disputes from me but I have multiple dispute from the credit agencies as well as the BBB.
Product: Payday loan, title loan, personal loan, or advance loan

I received a phone call from the telephone number XXXX. I did not initially answer the phone call but I did let to the voicemail. The voicemail stated that Good Morning my name is XXXX XXXX. This urgent message is for XXXX, our office has tried to reach you for a formal complaint that is about to be filed against you. We has case file XXXX. In order to receive assistance and address this matter it is important to you contact us at XXXX. This company also contacted my sister and provided the case details. 

I then called XXXX and XXXX was the representative that assisted me with the case. She verified my personal information, she told me it was from a payday loan that I took out in XXXX while I was employed at XXXX XXXX She told me that the original debt was held with XXXX XXXX Being that I did not want legal action taken against me I setup a payment arrangement. I provided my banking information and signed documents called a hardship payment. XXXX stated that I will receive a pay out letter that I will need to sign tomorrow at XXXX. 

Being that I was nervous I did not research the company until I got off the phone. I do not even remember said debt. I then contacted the company to gather more information. I asked XXXX if I could be emailed the original garnishment letter since I had not received it. XXXX then begins to get upset. She said that they no longer have that letter since a payment plan has been setup. I then stated that I will have my attorney reach out because I do not recall doing business with XXXX XXXX XXXX  then stated that she can reach out to her supervisor and have the payment plan cancelled and that I could wait for a court date. She repeatly asked me what did I want her to do? I quickly disconnected the call. 

The amount presented in the document I signed is XXXX with a settlement amount of {$300.00}. The collection company is B & P.
Product: Money transfer, virtual currency, or money service

I have been banking with Chase for many years. 
Several months ago, I set up a XXXX account THROUGH CHASE. 
When I set up the XXXX account, I created only ONE recipient, my landlord, XXXX XXXX, which was linked to his XXXX ADDRESS. 
For several months, I successfully transferred money to him through XXXX to pay my rent. 
On XX/XX/2022, using XXXX, I transferred {$2000.00} to XXXX XXXX for the XXXX rent. 
The next day, XX/XX/2022 I transferred {$1100.00} to him to cover the remainder of the XXXX rent. ( The total rent every month is {$3100.00} ) On XX/XX/2022, I received an email from XXXX XXXX saying that he NEVER RECEIVED the money I sent via XXXX. 
I checked my checking account at Chase and saw that both payments, totaling {$3100.00} had been taken out of my checking account. 
Then I discovered that someone ( NOT ME ) had created a second ( phony ) XXXX recipient. 
This second recipient was also named XXXX XXXX but it was linked to a PHONE NUMBER. 
This phone number is the SAME as my landlord 's phone number except for one digit. 
As I already mentioned, the one recipient I created was XXXX XXXX and it was linked to his XXXX account, NOT his cell phone. 
So, the questions are : 1 ) WHO got into my Chase XXXX account and created a second ( phony ) recipient? I repeat, IT WAS NOT ME. ( Is it possible that XXXX XXXX did this? ) 2 ) WHO received the {$3100.00} I sent for XXXX, 2022 rent? 
SOMEONE received the money. 
3 ) HOW did someone get into my account to create a second recipient?? 
I have spent HOURS on the phone with both XXXX and Chase. BOTH blame the other. 
Neither Chase nor XXXX have offered any information, nor have they refunded the stolen money. Neither have attempted to identify the thief. 
Allegedly, Chase carried out an investigation ( at my request ) They concluded that there was no evidence of fraud and offered no information about the so-called investigation. 
I already filed a complaint with CFPB against XXXX. XXXX responded that I need to take it up with Chase. That is why I am filing this complaint.
Product: Checking or savings account

On XX/XX/XXXX I deposited a {$13000.00} personal check received from my friend as a gift. The next day my bank ( Chase bank ) restricted my account and put a hold on that check. I called the customer service to see what its happening. The representative simply told me they can not lift the restriction until they could verify the maker of the check through their system. On XX/XX/XXXX my friend and I went to the chase branch to verify his check and being told they can not accept this type of verification. The only way to verify his identity is to find his phone number from their system. Unfortunately my friend just changed a new phone number and they couldnt find it. So we left Chase frustrated. The same night he tried to stop payment of this check with his bank ( XXXX  XXXX XXXX ). But his bank told him the check has already cashed by Chase bank and they cant stop any more. On the XXXX I went to Chase branch to seek help from the branch manager, she called many different departments inside the bank and even file a escalation on my behalf. Nothing works. Only to find out Later they might close my account and hold my {$13000.00} in their hand until they can verify my friend in their system. It just seems like there is no way to resolve the issue. There is nothing I or he can do. We even asked them to just return the money to where it was and they said no. I called them everyday to check the status but nothing changed.
Product: Student loan

I begin to get garnished for {$170.00} every two weeks for 2 years starting in XXXX based on what Navient told me. I filed Bankruptcy in the year of XXXX and the private student loans was and still on my credit report. Please assist because I feel I need that money refunded to me.
Product: Payday loan, title loan, or personal loan

I was in desperate straights and I borrowed at a rate and term that was more than my understanding allowed for.