23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

After the transition to BBVA from Simple, I've had to call support 8 times, sometimes being an hour and 3 minute wait before it just hangs up the call.

My account had an error right on the day after the transition happened, a scheduled planned transition that I've expected adequate support staff and preparation.

It has been a complete struggle with the app after finally getting in contact just to do something simple as just logging into my new account on BBVA and I really wanted to refuse a fee payment to move money out but was required to pay.

If I would of known of this horrendous customer service in which the only way for a transferring user from Simple to BBVA is a phone call to get hung up on or can't hear you, I would of instantly already started to cancel on Simple awhile they were still online. BBVA has also never offered any updates to anyone via email to inform what to do to do this transition and the false information being mismatched from this supposed transition. 

I had to go online myself into XXXX to see what BBVA is doing, why my routing number was changed when both banks said it wouldn't change at all, and to just get messages about them also acknowledging issues with their support. 

The entire time I'm on hold, the call keeps repeating that this surge of wait time is about PPP loans when I outright know that's not the truth at all. 

BBVA should of been prepared for this transition and made their services not have this many issues for over 5 days and still having people complaining about getting hung up on customer service and really should inform all customers via email at all steps of the way to transferring from Simple to their bank.
Product: Debt collection

We make payments of {$200.00} a month and they still call us and report that we owe more then the a month we do. They never subtract what we have already paid them. Its always {$3000.00} plus dollars and we been paying for several months now.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft stemming from multiple major data breaches, including the XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  ( XXXX  ), and XXXX Companies breaches, in which these incidents exposed my consumer data and other potential personal sensitive information such as name, contact details, Social Security number, financial data, and credit card information, leading to unauthorized use of my identity. 

On XX/XX/XXXX, XXXX publicly disclosed that a significant data breach occurred on XX/XX/XXXX, due to hackers. This breach, revised in XX/XX/XXXX, affected all three XXXX accounts, compromising names, email addresses, phone numbers, birth dates, passwords, calendars, and security questions. On XX/XX/XXXX, XXXX disclosed a major data breach that occurred between XX/XX/XXXX and XX/XX/XXXX, exposing consumer data, including names, addresses, phone numbers, email addresses, and other sensitive personal information. In XX/XX/XXXX, XXXX XXXX XXXX revealed a breach that occurred in XXXX. Malicious software installed on its payment processing network exposed payment card data for an estimated XXXX XXXX accounts. The XXXX XXXX breach, disclosed in XX/XX/XXXX, involved hackers accessing the companys payment systems from XXXX to XXXX, compromising over XXXX XXXX debit and credit card numbers. In XXXX, the XXXX XXXX XXXX ( XXXX ) suffered a breach where hackers exploited vulnerabilities, compromising names, Social Security numbers, and financial data for millions of consumers. Finally, in XXXX, XXXX Companies disclosed a breach that began as early as XXXX. Hackers infiltrated the companys network and stole data, including credit and debit card information, affecting over XXXX XXXX  accounts. Given the extensive scope and frequency of these breaches, I have substantial reason to believe that my compromised personal information has been used to open unauthorized accounts in my name. 

These fraudulent accounts consist of a personal credit card with XXXX XXXX on XXXX, a personal credit card with XXXX XXXX XXXXXXXX on XXXX, a personal credit card with XXXX XXXX on XXXX, a home mortgage loan with XXXX XXXX XXXX on XXXX and hard inquiries with XXXXXXXX XXXX XXXX on XXXX, with XXXX XXXX on XXXX, XXXX on XXXX, with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXXXXXX XXXX XXXX on XXXX and with XXXX XXXXXXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent charge-offs, closed accounts, and multiple fraudulent hard inquiries appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports pursuant 15 U.S. Code 1681c2, not later than 4 business days after the date of receipt, and I demand that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint ( # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of Identity Theft and Fraud.
Product: Credit reporting or other personal consumer reports

XXXX Student Loan Servicing XXXX XXXX XXXX I completed the PSLF program and they set my balance to {$0.00}. 
They stopped reporting to the credit bureaus after the balance was paid and are not properly showing my credit history. 

The student loan debt still shows up on all 3 credit reports as an amount due. 
This affects my ability to qualify for credit and loans because they assume I have a payment of 1 % monthly on the original balance before the discharge. 

I received a letter from XXXX dated XXXX XXXX XXXX that the loan balance had been forgiven through some other means besides my 10 years of PSLF payments. 
This forgiveness is stated as effective as of XX/XX/XXXX and here we are in XX/XX/XXXX and the debt is still not paid according to the credit Bureaus. 

I find their actions purposeful harassing and against Fair Credit Reporting. 
And the discharge should be backdated to either XX/XX/XXXX ( or earlier ) or XX/XX/XXXX. 
And they have no place in their online messages system to send them a message. 
Also calling them on the phone is a forever on hold, I have not been able to get anyone on the phone to complain about this issue. 
I did my 10 years of PSLF and still dealing with this kind of corruption!
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts has violated my federally protected consumer rights to privacy, accuracy and confidentiality under 15 USC 1681 and 15 USC 1692 ( c ). I am refusing to pay any collection debt and I do not want any of the merchants contacting me. 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, this is on my XXXX credit as of XX/XX/2025. 
These companies all provide inaccurate and incorrect information. As of 15USC1692 ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX are reporting a medical debt on my credit report from Wakefield and Associates in the amount of {$880.00}. Ive disputed this debt over and over again and neither XXXX, XXXX or Wakefield and Associates would provide me with the method used to verify this debt as accurate. It is unlawful to report a debt with a past due balance as accurate and it is causing me sleepless nights and stress. I have a ton of fcra violations as well as cfrs etc.
Product: Student loan

On XX/XX/XXXX I physically mailed a check for {$5000.00} to my Private Student Loan Provider Firstmark Services. I have done this before and have had no issues. On XX/XX/XXXX, I checked my bank account and see that I have {$10000.00} less in my bank account instead of just {$5000.00} less. I look into it and come to find out that Firstmark cashed my check twice somehow. This can be seen on their payment history as well as on my bank account. On their payment history, the check is cashed twice on XX/XX/XXXX. On my bank account, the check is cashed on XX/XX/XXXX and XX/XX/XXXX. I first call Firstmark Services on XX/XX/XXXX to alert them to the issue. They tell me to send them proof on my bank account that I was double charged, so I do. They immediately fix the issue on their end, so the screenshot of the double charge on my payment history says it is reversed. On XX/XX/XXXX I received an email reply from them basically saying they received my email and they reviewed my account. That being said, as of XX/XX/XXXX I still have yet to be refunded the {$5000.00} that they double charged me for. I have called Firstmark Services a total of 5 times ( a total of XXXX minutes ) since I noticed the mistake : XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. Every time I call, I am told that it should be fixed in the next few days. Therefore, that is why I have now called them a total of 5 times. They can not seem to explain to me what the hold-up is and when I shall be issued my refund. They can not even tell me the check number that has been issued because they have yet to write a check to refund me. It has now been a month since I've been double charged without a viable explanation of what is going on. I have also been told multiple times that someone will call me back with more information, but that has yet to happen. On XX/XX/XXXX, I reached out to my bank XXXX XXXX XXXX and they said they would also contact Firstmark Services. I have yet to hear what has come from XXXX XXXX XXXX reaching out to Firstmark Services. 

Regarding attachments below : I have attached the email I sent Firstmark Services and their response. I attached the original screenshot I sent Firstmark Services of the same check being charged twice. I have attached a screenshot of my payment history at Firstmark Services showing the double charge and the charge on their end being reversed. I have attached my bank account statements for XXXX and XX/XX/XXXX to show the double charge and lack of a refund. I have also attached a picture of my check receipt and my call history to Firstmark Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I have been a victim of Identity theft, and I am hoping the Consumer Financial Bureau and the FCRA can assist me getting my financial life back together. All the accounts listed below are fraudulent and should be deleted immediately.

WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT and nothing has been doneAccount 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 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: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX account # 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 XXXXXXXX, 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

XXXX XXXX is in violation of the FDCPA. The are also in violation of the Fair Credit Reporting Act. Under 609 Section of the Fair Credit Reporting Act I disputed this debt against Astra Collection and the validation proof of debt owed and they had to remove from my credit report due insufficient evidence of debt. Astra now has sold the debt to XXXX XXXX who is reporting falsifying information on date account opened, never has notified me nor can reopen a debt already sufficed has false. XXXX XXXX can be sued under FDCPA in State and Federal Court for damages and false reporting. Delete immediately from my credit report of all three credit bureaus.
Product: Credit card

Dear Sir/Madam : I am writing to you regarding a closed account that appears on my credit report, associated with account number, which was reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unfortunately, I have been through a difficult financial situation, which has prevented me from keeping up with the payments on this account. I am fully aware of my responsibilities and take full responsibility for the delays, but due to my current circumstances, I do not have the financial capacity to pay this debt. 

For this reason, I would like to request your help in removing this account from my credit report as an act of goodwill. This removal will allow me to begin improving my credit history and move towards greater financial stability. 

I greatly appreciate your time and consideration. I am willing to provide any additional information you may need to review my request. You can contact me at ( XXXX ) XXXX or via email at XXXX. 

Thank you for your understanding and for considering this request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The payment for XX/XX/2020 was sent in through the mail. The payment was sent to Freedom Mortgage in the amount of {$1500.00}. I sent it out on XX/XX/2020 and Freedom Mortgage received it before the due date. They admitted that it took 3 days for them to process the payment. They put a late payment on my credit. I have verification following through the mail. 
It's not right that I have a late payment when My payment was not late.
Product: Credit card

J.P. Morgan chase bank did hard inquiry for credit application I did not do
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft resulting from a recent data breach. Due to this incident, several unauthorized accounts have appeared on my credit report. These accounts were fraudulently opened or reported without my authorization. Pursuant to the Fair Credit Reporting Act ( FCRA ) XXXX ( b ) and 15 USC 1681c-2 ( a ), I am formally requesting that you immediately block and delete the following accounts from my credit report : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Reported : XX/XX/XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Reported : XX/XX/XXXX Balance : {$30.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple inaccurate credit inquires on my transunion credit report that I called and spoke to 2 supervisors trying to correct but they refused to correct them. They gave me no solution and told me regardless they don't delete inquires which I know is false information. 


These are the inquires I don't recognize XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

You guys hired XXXX XXXX to repossess the car. During repossession they damaged the car. I paid to get the car back now it no longer drivable. I have provided substantial proof supporting my claims. Including proof that these guys at XXXX XXXX has intentionally submitted false photos of someone else car to XXXX XXXX as well CAC. However its going over looked. Now you guys are saying " they uploaded the wrong car ''. My car was NOT the first car XXXX XXXX has ever repossessed! That was no error and completely intentional. However its being over looked! CAC  iXXXX XXXX XXXX XXXX  and completely XXXX! Ever thing i have said to CAC has been over looked and not acknowledged, not even a little bit! However EVERYTHING that XXXX XXXX has said is just some how so accurate and truthful even though they have been caught in multiple lies. 

XXXX XXXX has found the liable for the damages. They actually investigated! CAC did not! All you guys have done is take everything i said, ASK XXXX XXXX is it true. Whatever their response you guys deemed it as valid and truthful! 

If i had not pointed out that my car was NOT on tow dolly. CAC would still be saying they have proof it was towed properly. Since that's a statement you guys stand behind it being towed properly! Provide me the consumer with the proof! 

A simple XXXX  search would let you guys know that car should not be pulled on its rear wheels. I sent proof of it being towed improperly. Yet XXXX XXXX has submitted nothing false photos. Still to this day CAC, XXXX XXXX OR MYSELF cant prove my car was ever on a tow dolly... 

XXXX getting an attorney, you guys are XXXX and full of greed! How can you expect me to pay for a car CAC and XXXX XXXX damaged! CAC hired these criminals now no one wants to accountability for the damages! 

The car was driven the day it was repossessed on XX/XX/year>. Now the car goes XXXX XXXX and doesn't even move.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. On XX/XX/2020, your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. I requested for a reinvestigation as my right under FCRA 611 and on XX/XX/2020, Experian did not delete as requested and just updated the accounts for XXXX XXXX XXXX. As relevant proof I disputed these XXXX XXXX XXXX accounts with XXXX, since XXXX  had a different name reporting along with my other personal information, as a result XXXX deleted the erroneous XXXX XXXX XXXX accounts from my credit report. I believe I have become a victim of Identity Theft. I have attached copies of my XXXX credit report.
Product: Checking or savings account

my navy Federal checking account has been closed I'd like to open it again and take care of all matters regarding reopening account. If that isn't possible, I would like to reserve my rights to all security interest and have such funds to reflect in memory of my XXXX account.
Product: Credit reporting or other personal consumer reports

I did not consent to, authorize, nor benefit from any of the following inquiries. I want them blocked and removed immediately. XXXX XX/XX/XXXX XXXX XX/XX/XXXX
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 confidentiality under 15 USC 1681. 



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 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  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 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: Checking or savings account

Dear Consumer Bureau, I am writing to seek assistance regarding a fraudulent chargeback on my Chime account. Below are the details of the incident : On XX/XX/XXXX XXXX XXXX XXXX XXXX Eastern Time, I completed a trade with a customer named XXXX XXXX. The payment method used was Chime, and the amount was {$300.00}. I have attached receipts, conversation screenshots, and XXXX XXXX 's Chime checking balance screenshots to verify his ability to complete the payment. 

On XX/XX/XXXX, I received the following email : XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Date Error Reported : ** XXXX **Subject : ** Unauthorized Transaction Notification XXXX XXXX, * *We 're contacting you in regards to the following Pay Anyone transaction ( XXXX ) you received : * XXXX. Transfer from XXXX XXXX on XXXX for {$300.00} *The sender of the transaction ( XXXX ) has reported they were unauthorized. Based on our investigation, we have determined the transaction ( XXXX ) were not authorized by the sender. As a result, we have debited your account in the amount of {$300.00} and credited the funds back to the sender. To resolve any issues with this claim, please reach out to the person who sent you the funds. * *Thank you for being a valued Chime member. * *Sincerely, * *Chime Disputes Team* I contacted Chime support immediately on XX/XX/XXXX at XXXXXXXX XXXX. They informed me that they are unable to resolve the issue despite the evidence of the completed trade. They mentioned that anyone could initiate a chargeback without my permission or consent, which is concerning. 

I am requesting your help to resolve this issue and prevent further fraudulent chargebacks. Your assistance in this matter would be greatly appreciated. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting

Ok my name is XXXX I 'm not XXXX that 's my sisterlaw by marriage and some accounts doe'st belong to me