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

I have tried to put a credit freeze on my account 3 times and Experian 's antiquated computer information sheet balks at social security numbers, email addresses, etc, then tells you to write them when they reject my information. 

Unless they are marketing to me, they take no responsibility in freezing my account and their software has more bugs than an ant farm. 

It's unbelievable that in this day of information breaches that I can not protect my information. 

They are grossly incompetent. In the time it would take to write them, mail it, and get any response my information could already be breached.
Product: Credit card or prepaid card

All charges on my account from XX/XX/22 thru XX/XX/22 - 13 charges were not made by me. Company sent me emails asking to verify charges, I was unable to respond to that email so I called them. For two days at 2 hours per call and 4 more times with them assuring me matter being handled. I was assured I am not liable for fraudulent charges. They only disputed one item for {$15.00} and sent me a bill for {$300.00}. 
What do I do, I received new cards but did not activate them and will not. 
I also need to cancel this credit card account without penalty. 
I am on phone with them going thru the same wait and run around
Product: Money transfer, virtual currency, or money service

I 'm trying to use the app   XXXX   XXXX   on my phone to get money from my pay check but the bank wo n't send over my information.
Product: Debt collection

The company contacted my mother in regards to the debt while i was in the hospital giving birth around the date of XXXX XXXX XX/XX/XXXX giving her information to a debt owed and asking if i was available
Product: Student loan

This is to add to my previous CFPB complaint which was closed, by the companys response. 

I asked whether I could have my account updated AFTER making a payment, which the company confirmed via CFPB although through email they said the exact opposite. I continue to struggle with getting a clear response across different representatives for XXXX. So I defer to the responses received via CFPB. 

However, this is a separate complaint. I reached out to XXXX after making another payment on XX/XX/XXXX. This payment should have reflected as my XXXX payment, pushing my next due date to XXXX. It also should have allocated to all of my loans and had less interest. I submitted screenshots of the proof that my payment said it would allocate across all loans, I asked when they would correct my account. They responded that they had my CFPB complaint ( which is not true because it was CLOSED and not related to my payment actually being allocated incorrectly ). I told them this and asked for a timeline on the correction. I never received a response. 

I have since emailed XXXX times ( including today ) and have yet to receive a response despite their email confirmation saying it should take two-three days. 

I dont like wasting my time making CFPB complaints. I would prefer a servicer who actually services BUT if XXXX refuses to practice fair and honest business practices I will continue to report it so they have to answer to that.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX Report shows 4 hard inquiries I did not authorize. Attempted to fix with XXXX XXXX XXXX XXXX, and was given the run around. Synchrony claims they don't own the account and that it's a known error with XXXX XXXX. XXXX XXXX told mw to contact the credit bureaus and then XXXX told me to contact Synchrony, and in circles not solving problem. The 3 inquires are below : ( 1 ) XXXX/belk for XXXX XXXX XXXX   XXXX ; inquiry made XX/XX/XXXX. 

( 2 ) XXXX/walmart for XXXX XXXX XXXX XXXX ; inquiry made XX/XX/XXXX. 

( 3 ) XXXX/walmart for XXXX XXXX XXXX XXXX ; inquiry made XX/XX/XXXX. 

I only have one credit card, with XXXX XXXX XXXX and I applied for it in XX/XX/XXXX.
Product: Credit card or prepaid card

chime is refusing to return my money after i reported that i wanted to cancel payment on a cell phone place that sold me malfunctioning phone and this place charged my other cards to and hacked my account
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Regarding the dispute update ( Claim XXXX ), XXXX claimed that the package they sent via XXXX had been picked up, and the person who signed for it was XXXX. I had no idea who XXXX was and I filed a dispute with Bank of America and they closed my case without asking me to provide any evidence. I am asking Bank of America to reopen my case and refund the money quickly, I have attached my evidence. 

XXXX. Non-Delivery : According to the XXXX Proof of Delivery, the package was signed for by someone named " XXXX '', which does not match my name on the order. I never received any call from XXXX regarding the delivery of this high-value item, nor was I asked to provide a one-time password for verification. 
XXXX. Discrepancy in Signature : The name on the delivery signature does not correspond to any of my known names or aliases, as evidenced by the personal identity documents I have provided to XXXX. 
XXXX. XXXX 's Involvement and Promises : After months of interaction with XXXX, they identified this as a case of third-party theft. Despite multiple assurances from XXXX 's customer service that refunds have been processed, I have not received any refund in my account nor have I received any confirmation emails from XXXX regarding these refunds. 
XXXX first claimed the refund was processed on several occasions, stating I would receive the money within days, but this never happened. 
After I filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 's expert team emailed me on XX/XX/year>, stating that they had approved and processed a refund on XX/XX/year>. However, to date, no such refund has been credited to my account, nor have I received any related communication. 
Attached to this letter, you will find : XXXX Order InformationContains payment and billing information XXXX Shipping Information Contains information about the person who signed for the package Response from XXXX 's Expert TeamProof of XXXX 's commitment to refunds over the past three months My Personal Identity Information and Alias Documentation to confirm the discrepancy in the delivery signature. ( My English signature is on the passport, and my English signature is on the XXXX issued by the US government. In addition, I also uploaded the birth certificate and notarization of my previous names that I provided when applying for a U.S. visa to prove that I never had the name XXXX. ) Given these circumstances, I urgently request your assistance to : Reopen my claim with Bank of America. 
Ensure that XXXX fulfills their promise of refunding the amount of {$5300.00} to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested verification of my signature on something from this company thru Equifax. I have made this request over 6 times. All I receive is standard form letters that do not address the dispute. I am just so amazed at the level of incompetence. The last request that I sent in was a 609 letter regarding the collection account. What I received was a standard form letter regarding my address for the past few years. I sent several letters to the complaint department requesting the verification and all I received was verification of my addresses over the past 5 years. I am so tired of this company, Dealing with this company has stressed me out if they can not do what a customer/ client request maybe they should let  another company come in and take over or just shut their doors. I had no issues getting my request answered from XXXX  or XXXX. I am not even sure if your company can help them. At this point, I am looking into suing them or checking and going in on or checking into the new class-action lawsuit against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with a SUPERVISOR agent from Transunion who told me that I can not dispute any inquiries because a creditor does not have a time limit to respond on a dispute. I requested a dispute on 19 unauthorized inquiries to be removed from my credit report and the agent refused to even open an investigation dispute. They are deliberately not allowing consumers to file any type of disputes online, via the mail, or over the phone and that is violating my rights to fair credit. 

My file number with Transunion is : XXXX My name is : XXXX XXXX The inquiries are listed below : XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX XXXX Union XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XXXX XXXX, XXXX Credit Union XXXX XXXX Inquiry from XXXX XXXX, XXXX Bank XXXX XXXX from XXXX XXXX, XXXX National Credit Cards/XXXX XXXXXXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Union I did not authorize these inquiries nor do I have any open and active accounts with these companies and I would like for these items to be deleted immediately as it is causing damage to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to fix this problem for 8 months. I have a personal loan for the amount of XXXX and XXXX   and wells fargo cant seem to get this corrected and I've been disputing this for too long. It is a SHAME that these companies are failing to adhere to the laws and rules of this game they are playing with me. Wells tells me they are reporting and XXXX  tells me they have not. XXXX  even had me upload my loan documents that clearly show the loan amount of XXXX but they don't have it reported and told me that wasn't sufficient enough for them. Now I really don't know what to do. I am losing credit for my loan I've been paying on for 8 months. The loan amount shows unavailable and the balance is XXXX with a XXXX monthly payment, and it says 0 % of this loan has been paid. Please help me. This has given me undue stress and I don't deserve to be treated this way. My credit is very important to me and I think they should be ashamed of how they have conducted themselves. Ive disputed this account 5 or 6 times and still no correction, it's despicable to say the least. Thank you for your time and diligence in this matter.
Product: Debt collection

his is the first I've heard from you, or any other company on this matter therefore, in accordance with Section 809 - Validating Debts of the Fair Debt Collection Practices Act, I respectfully request that you provide me, in writing, the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Identify the original creditor ; Provide a verification or copy of any judgment ( if applicable ) : Show me that you are licensed in my state, and provide me with your license numbers ( if applicable ) Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : : You can not add interest or fees except those allowed by the original contract and state law. 
You do not have to respond to this dispute except to tell me that you either intend to cease your collection efforts or to pursue other legal means of collecting this debt. 
Should you pursue a judgment without validating this debt, I will inform the judge and your case will be dismissed based on your failure to follow the FDCPA. 
Any attempt to collect this debt without validating it, violates the FDCPA. Be advised that I intend to record all phone calls, keep all correspondence and will not hesitate to report violations to my State Attorney XXXX the Federal Trade Commission and the Better Business Bureau. 
I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccura if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them this debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2. 
If you do NOT own the rights to collect this debt, I demand that you immediately send a copy of this dispute letter t the original creditor that you say I owe money too so they are also aware of my dispute with this debt. 
Finally, in accordance with section 805 ( c ) - Ceasing Collections, of the Fair Debt Collection Act, do not contact me XXXX XXXX. XXXX this or any other matter, except by official mail and then only to advise me that your debt collection efforts are being terminated or that you are taking specific actions allowed by law.
Product: Credit reporting or other personal consumer reports

In XXXX, I paid for a deletion on my Discover account. it was deleted but has re-emerged on all XXXX credit bureaus. 

Today, XXXX XX/XX/XXXX, at XXXX XXXX a Discover representative in the Charge off department instructed me that the account should no longer be reporting. 

It was removed but re-inserted and I would like a swift removal. Im in the process of buying a house and would like this removed again as soon as possible.
Product: Debt collection

A business credit was opened under a corporation with Bank of America. I was the authorized representative of the company. 

The credit card was always paid on time until the pandemic. The business did not survive the pandemic and closed. 

Bank of America has been taking funds from my personal account which includes my reliefs payments from the pandemic. 

Bank of America has taken {$2200.00}, wiping out my bank account. 

According to Bank of America, there is a fine line in the business credit card agreement that states if the corporation is unable to pay the credit card for any reason, the authorized representative of the company would be held responsible and their personal funds would be used to offset the corporations debt. I have asked Bank of America multiple times for a copy of the agreement that was signed but they have been refusing to provide me with the signed agreement they continue to state allows them to deplete my personal account. 

In speaking to Bank of America, they have stated they will not be returning my funds and I find this misleading to consumers who agree to be authorized representatives on corporate accounts. In addition, I think that it is improper for Bank of America take this type of action against consumers during a global state of emergency.
Product: Checking or savings account

My wife and I went on a leisure trip for about three weeks to XXXX starting on XX/XX/XXXX and returned to USA on XX/XX/2019. While we were vacationing one of our personal checking accounts was hacked and all funds wiped out by a criminal activity. 
Meanwhile, our second checking account with JP Morgan Chase was overdrawn due to a none authorized payment submitted by XXXX and allowed by Chase Bank in the amount of {$840.00}. My wife did call Chase customer service for over 6th times explaining each time to a different representative the situation and to be able to stop the account until we were able to figure out the situation. Some Chase bank reps were frivolous in there answers and never offered a real solution ( only one representative did offer help on reversing all fees after the account was brought up back to good stand ) Today XX/XX/2019 I wanted to fix my checking account with Chase Bank, but before we made any deposits my wife decided to speak one more time with chase customer service just to make sure our none sufficient fund fees were going to be reversed as promised by one of chase representatives in previous conversations, However, this time we got informed by chase representative that we had options since day number one when the account was overdrawn for the first time and consisted ; number one, we could freeze the account, number two, go to a local branch and change the account and number three cancel all automatic payments as well as file a police report none, of these steps were informed in our six phone calls made to the customer service, on the contrary all payments were rejected for insufficient funds and a subsequently none sufficient funds were assessed each time, 11 times {$34.00} swelling the already overdrawn account. This could it be avoided simply by having the courtesy to explain to the customer what was already disclosed above the first time the incident occurred. We believed this is an unfair practice done by Chase to diminish funds and to collect fees upon fees without no reason, placing us in a financial distress that was aggravated by the hacking of my wife 's identity rendering the debacle on the situation we are today.
Product: Debt collection

Keep getting calls From Transworld services inc I dont have debt and my phone number is on the do not call registry I am only a young adult and should not be in any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

With the recent outrageous Experian breach, I checked the website and it said we could be part of the 143 million consumers harmed by their lack of security. On the Experian website, at their suggestion, my husband and I both froze our credit because we were instructed that it could be unfrozen at any time. Now we are meeting with a loan officer tomorrow to obtain a mortgage loan to move closer to our children. When I attempted to unfreeze our credit record, I was informed that we must send a letter by snail mail along with {$10.00} each to unfreeze our credit. This outrageous extortion will cause my husband, age XXXX, and myself, age XXXX, extreme inconvenience. Ca n't anything be done about this travesty? We did not apply for this credit report with Experian and feel we should not pay anything for their lack of security practices. Shut that company down!!!
Product: Credit reporting or other personal consumer reports

Despite a previous written request, the unverified account listed below continues to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account below : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to urgently address several serious inaccuracies and unauthorized accounts/information that have recently appeared on my credit report. Upon reviewing the report, I was shocked to discover these discrepancies, which are not only incorrect but have also caused significant harm to my financial well-being and credit health. These errors are damaging and unacceptable, and I implore you to take immediate action to rectify them. The impact on my life and credit score is severe, and I expect a prompt resolution of this matter.
Product: Credit card or prepaid card

I received correspondence in the mail from Milestone credit card from Genisis FS Card Services. They offered what I belived were favorable terms for someone trying to rebuild thier credit history. The annual fee was only supposed to be {$39.00} with the option of getting a credit limit increase after 6 months of on time minimum payments. However after nearly a year of ontime payments and no late or missed payments to them they began charging me an annual fee of {$49.00}. I called about the discrepency and was told there was nothing they could do. I also inquired about the credit limit increase I was due, only to be told that customers would have to pay at least {$100.00} a month to even be considered for a limit increase. This was not dislosed when I signed up for this card. I would not have signed up if these were the terms. This seems to be a classic bait and switch scenario and maybe I can help someone else before they fall for this scheme. Thanks.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a late payment on my credit profile for XXXX. I was never late on this account and I asked XXXX directly to update this on my credit profile in which they refused. 15 U.S. Code 1681a - Definitions ; rules of construction states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Furthermore, I did not give written consent for them to furnish this on my credit profile which is another violation. Permissible Purposes- They are not to furnish a consumer report without my written instructions. ( 15 U.S. Code 1681b ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ) It is also a violation of my privacy. According to the FCRA : Privacy - As a consumer i have the right to privacy, my financial information is private and confidential and should only be shared between me and the financial institution that gave me the credit. 
I ask that you please update this account to paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 section 602 a. states I have the right to privacy.

15 USC 1681 section 604 a section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is purposely keeping negative information on my credit report and did not show proof of their investigations. I disputed a XXXX XXXX XXXX account that does not belong to me and I have requested each time for Experian to provide proof of account with my wet signature and received nothing. Now they have stated I have not shown new information showing proof on my end the account doesn't belong to me and I have provided my Drivers license and SS card on several occasions and they have disregarded this information, along with calling XXXX XXXX myself and was told this account does not belong to me, relayed this to Experian and they still refuse to remove it. 
They are also doing the same thing with a XXXX XXXX XXXX account of reporting inaccurate late payments, in which I have sent in proof their reporting 's are not the same as XXXX and XXXX therefore its reporting inaccurate and needed to be reinvestigated to be deleted or corrected and on several disputes including today XX/XX/XXXX they're refusing to do a valid investigation requesting I show them some different information when my initial requested according to the FCRA were all valid requests for my disputes. and I am filing this complaint because at this point this is predatory and total violation of my rights.