23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Bank of America prepaid card holder services froze my account twice. The first time I verified my identity for both XXXX and Bank of America. They closed out my claims on my account because it was frozen then I had to wait for them to get all my identity documents and my account was unfrozen and my claims were reconsidered on the XXXX of XXXX. Come the ending of XXXX my money is still not back in my account and my account gets frozen again. And I have already verified myself with ID.Me for XXXX and Bank of America. They are still not unfreezing my account.
Product: Credit reporting or other personal consumer reports

Yes I have sent out multiple certified letters to this credit bureau. Each time they have claimed the accounts were verified and reinvestigated. However they have not shown any proof and there are still inaccuracies and misreporting on my credit report. The incorrect accounts are the following, DEPT OF ED/XXXX Account # : XXXX, DEPT OF ED/XXXX Account # : XXXXXXXX XXXX XXXX  XXXX Account # : XXXX, XXXX XXXX Account # XXXX XXXX. I will be attaching a credit report from XXXX today and they have removed all these accounts. This not only proofs the accounts were inaccurate but that this credit bureau has violated multiple FCRA laws. These accounts must be resolved and removed ASAP.
Product: Debt collection

Once I became aware of the account on my credit report I disputed the account and requested verification on XX/XX/XXXX. I followed up with the creditor by phone on XX/XX/XXXX and spoke to a representative ( XXXX XXXX ) who confirmed they received the dispute on XX/XX/XXXX and mailed out the itemization on XX/XX/XXXX. While on the line she also confirmed my correct mailing address as I have not received any correspondence from the creditor. I called back on XX/XX/XXXX, spoke to representative ( XXXX ). Requested that this account be deleted from all credit bureaus as I have not receive any correspondence they claim to have sent. Regardless, if sent, it would have been outside of the 30 day timeframe required by law. This rep informed me that XXXX requested for another itemization be sent to me and the only thing he could do is to request another be sent out. I advised him, it was still outside of the 30 days from the date of dispute. XXXX stated if I was going to talk like that that " he would just throw me to a manager ''. I spoke to manager, XXXX XXXX, who asked " how may I help you? ". I again, explained the situation and as I started to request for deletion of the account he spoke over me. I confirmed that the first thing he asked was " how may I help you? '' so I don't understand why he's speaking over me while I'm answering. Advised we would not have a good dialogue if that's how the conversation is going to go. XXXX XXXX replied, " If you're going to be smart, I'll just disconnect the call. '' I told him I am requesting for the account to be deleted from all the credit bureaus due to your failing to reply within 30 days in which he replied with a firm " NO '' then he disconnected.
Product: Debt collection

I received collection notice from XXXX XXXX for {$150.00} I called them and advised them this is not my account and also request that they provide me with all methods used to verify this account as being owed by me as well as provided all original paperwork with signatures and if such proof is not provided that they delete this account immediately as they are attempting to send this to credit reporting agencies
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account Account Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account
Product: Student loan

Initially, when I took a private student loan from Sallie Mae, now Navient, my total loans were under $ XXXX. I have been paying diligently for over 7 years, yet my loans are now up to $ XXXX. 

Its very discouraging to be making a conscious effort to stay on top of my loans, yet never see them decrease. I feel that Navient has taken advantage of me as a nave student, and put me into a income driven payment program, but failed to point out that this payment plan wouldnt even be paying the amount of interest, let alone the principle. Its like Im trying to bail out water from a boat that has a hole at the bottom. No end is in sight.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX XXXX AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Product: Mortgage

PNC Bank acquired mortgage in XXXX 2014 from XXXX. To date there have been XXXX separate errors on PNC 's part to process payments on this mortgage despite electronic transfers
Product: Credit card or prepaid card

Chime would not remove an unauthorized transaction. The dispute department initially dropped the ball and did not process the dispute in XX/XX/XXXX. It was only after I reached out ( in XXXX ) to the dispute department to receive an update, that I was made aware that the rebuttal wasn't completed. Though I received an email ( XX/XX/XXXX ) from XXXX of the dispute team acknowledging my documentation ( that was asked for ) was received and that the rebuttal would be in process for up to 90 days. I did not receive nor was offered provisional credit or insight. I have spoken with over 6 reps that have processed over several rebuttals and each came back with computer generated denials. The requested information provided by the rep, that actually discovered that a rebuttal was never submitted, provided a decision based on money transferring. This is something that I do frequently after my deposits to pay my recurring bills. The unauthorized transaction from XXXX XXXX is not a merchant I have ever paid to nor aware of whom it is. I was issued another debit card from Chime, yet they kept denying the dispute/rebuttal. I want the {$550.00} refunded back to my account. I demanded a response from the supervisory level to assist in this ordeal. The generic automated denial response is unacceptable. The transaction happen on XX/XX/XXXX {$550.00}.
Product: Debt collection

There was a collection account reporting on my credit file with XXXX XXXX XXXX account number XXXX. I contacted the company and agreed to settle the debt. I spoke with the Floor Manager XXXX XXXX and he was the one that approved the settlement. Once I completed the payments they were suppose to zero  out the remaining balance and remove it from my credit report, because again it was a settlement agreement. I watch my credit through a credit monitoring site and when I checked to make sure the account was reporting properly I was floored to see that what they did was take the money they agreed to settle the account and actually just applied it to the balance. On XX/XX/2018 I called the company ( XXXX ) XXXX and was transferred several times before I was able to speak with XXXX XXXX again the Floor Manager, at first he too seemed confused and said that there was money still owed. He did finally remember the agreement and said that the accounts were settled and that he would send me a letter showing they were settled with no money owed and that they would delete them from the credit report. I still have not received that letter nor has it been removed off my credit report.
Product: Credit reporting or other personal consumer reports

Wrote numerous letters to the credit bureaus and sent a copy of my identity theft report to address the unauthorized credit inquiries on my credit report. After many attempts, credit bureaus will not delete the unauthorized injuries even though there is no proof of me making the inquiries.
Product: Credit reporting or other personal consumer reports

I filed a formal complaint in writing and sent in certified mail requesting for the 1099 Cancellation of Debt from XXXX  XXXX XXXX # XXXX charged off XX/XX/XXXX for {$820.00}. I was not provided this information to file as income on my tax return and need it to make amend. I also requested Equifax and XXXX to remove the inaccuracies on my consumer report that has cause me to be denied a credit card from XXXX XXXX. I sent the letter along with the supporting document I've attached. The only thing missing is the divorce decree which was sent to each company certified mail XX/XX/XXXX to correct my name and aka.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to address an issue concerning late payments on my credit record. Upon reviewing my records, I found these late payments present. Despite having sent letters regarding this matter over XXXX  days ago, I have not received a response, and satisfactory validation has not been provided. I kindly seek your assistance in resolving this matter promptly and effectively.
Product: Credit reporting or other personal consumer reports

I disputed a collection account with TransUnion, and the dispute was resolved in my favor. However, they are still reporting this collection, which is a violation of the Fair Credit Reporting Act ( FCRA ). This is negatively impacting my ability to obtain credit, and I demand immediate removal. Please take action immediately.
Product: Debt collection

On Thursday,   XXXX   XXXX  2017    I received three consecutive phone calls at   XXXX   XXXX  ,   XXXX   XXXX  , and   XXXX   XXXX   from (  XXXX  )  XXXX . The first  two  phone calls each rang once and then ended. I picked up the third call at the first ring, as I was able to recognize the number from the  two  previous calls. When I answered, the phone call immediately ended. I called the number back at   XXXX   XXXX  . After it rang once, an automated message said, " All of our representatives are busy. Please hold. '' Almost immediately, a woman came on the line. I told her that I had three missed calls from this number and would like to know who was trying to reach me. She responded by asking me to verify my name  (  first and last ). Being completely unaware of who was calling, I responded by asking, " Who is calling? '' She again said my name and asked me to confirm that it was me calling. I refuse to give or verify my name to someone I do not know, so I asked her to tell me who was calling again. She put me on hold. After a short pause, a second, different woman came on the line telling me she was trying to reach  [ my na me ]. I told her that I would not verify anything until I was told who was calling ME three times in one night. This went back and forth a few times until she raised her voice. In an extremely abusive and disrespectful manner, she informed me that I " MUST STOP YELLING AT HER! '' I was in no way yelling, but simply asking her to tell me who was calling my personal cell number. I again told her I would like to know who is calling. With her voice still aggressive and loud, she yelled, " THIS IS  PHOENIX FINANCIAL! '' a nd hung up the phone.   I called the number back at   XXXX   XXXX   and spoke with a third woman, named  XXXX   XXXX . I asked to speak to a supervisor and she put me on hold. She returned to the line and informed me that everyone had left the building and she was the only person left since they close at  XXXX . I told her that I had just spoke to  two  people just before and would like to know who I could talk to now.  XXXX  told me that I had previously spoken to a supervisor named,  XXXX . I informed  XXXX  of my frustrations and she said I would have to call back tomorrow in order to reach a supervisor.  XXXX  also informed me that their calls are recorded. I hope you can listen to that recording to see just how rude  XXXX  was. Their approach is very secretive and suspicious as they call you multiple times, demand that you verify your identity, all while refusing to tell you the name of the company calling or any other telling information.