23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I applied for government benefits and was approved. I had some trouble with getting my card at first. I had to verify my identity in person. By the time I finally received my card someone had taken about XXXX out of my account. I notified BofA that there was a problem and was told the card I received was actually the XXXX card that had been issued. By the next morning my card no longer worked and all my account information had been changed. When this all was said and done with I had only been able to spend around XXXX of my money, I have filed a police report, filed XXXX claims with BofA, was denied both times. I know that someone had my information because my account information had been changed several times. I can provide proof of all of this. Also the claims with BofA were combined into XXXX which resulted in all of the charges being included. This was a mistake or a misunderstanding on the banks end. At some point the bank took the money back out of my account, this was after the second time I had reclaimed control over my account. Then a year later I got a statement in the mail showing charges for that entire period of time. How could the bank allow this to happen. Why would they allow my account information and address to be changed without my permission. My account should have been frozen until the matter could be resolved. I had to fight like XXXX just to spend a small amount my own money. I would appreciate it if someone would please look into this for me. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, i went to XXXX XXXX XXXX on XXXX to purchase a XXXX and they ended up running my credit 14 to 16 times with 5 different companies within a 15-day span without my permission. I gave them permission to run the credit one time with XXXX XXXX  XXXX  but they did not tell me that they will run it multiple times with multiple unrelated banks. I found out 2 weeks later that the credit was run multiple times with miscellaneous other banks. My credit score dropped 58 points because of this credit abuse. 

I reached out to the salesperson and she did not respond to any phone calls or emails. The supervisor XXXX called me and she said they can not remove the unauthorized inquiries. 

The manager of XXXX XXXX XXXX XXXX dealership reached out to me and I told him to remove all the unrelated and unauthorized inquiries. He ignored me multiple times. 

XXXX XXXX XXXX
Product: Student loan

I was told by XXXX that XXXX of my loans had defaulted and were sent to TransWorld Systems Incorporated. I have been calling TransWorld Systems Incorporated and leaving messages for a return call to find these loans, check the balance, and establish a payment plan. I have yet to hear back from this company.
Product: Debt collection

XXXX continues to allow debt collection agencies to post a collection on my report for the same debt over and over -- a debt that is not mine but belonged to my deceased brother. 

I have contacted them several times, but they refuse to remove my dead brother 's name as a " also known as. '' This is the third time I have had to fight this, and every time they allow a collection my credit score is drastically impacted.
Product: Mortgage

I have an existing loan with Ditech a XXXX XXXX, XX/XX/XXXX, I was in a financial bind and had to do a home modification, this process took almost 4 months to complete. Finally it was done and I was guarenteed to be paying a certain amount every month for my PITI. I spoke to a supervisor, XXXX possibly. All the calls were said to be recorded, This was a total of XXXX. I have tried to find out how to fix the issue I am having, my monthly payment went up XXXX $ from the amount I was told. I contacted them several times, on a recorded line as the say, I was told the insurance was not being escrowed correctly and this is why it went up. My Escrow account I do not oversee, this is their responsibiliy. Furthermore, I was paying my Insurance to XXXX up until the modification. A few months after the modification, I was contacted by my insurance company and they told me no one had paid my monthly premiums for the past 2 months. I immediately paid a XXXX $ reinstatement fee to have it on the property. Ditech told me they did not pay the insurance until XXXX XXXX a total of XXXX $ which is for XX/XX/XXXX. XXXX confirmed this, I have a copy of my XXXX from them and I am showing Hazard insurance of XXXX . I am showing Property Taxes of XXXX, which is for half the year, the beginning of the year was also paid but It is not on the statement. I was paying property taxes I am sure of it. They told me the insurance was not paid so why does it show paid through my PITI, I also would like to know where the money went for the taxes that were paid and also the insurance, Is this effecting my monthly payment this year? I am at a loss and can not afford to have an increase in a monthly payment because of their poor ability to manage my escrow account and why would I add 10 years to my loan and agree to pay more than I was before the modification. I was also told I did not have insurance on my home until they paid it in XX/XX/XXXX. What is going on, I need to find a way to resolve this issue, my credit is not strong enough to refinance. There has to be someone who can help, I am being exploited and taking advantage of. I am also paying XXXX PMI, which is a factor of about XXXX, now this is very high and is only happpening becauseI can not get out of the position I am in. 

There area lot of questions I can not fingure out and when I call them I get passed around like a cheese dish at a party, no one seems to know what they are talking about, I contacted XXXX XXXX also and they have customer service reps that could not figure out what was going on. Everyone seems to have a diiffent answer. I have XXXX children, XXXX which live at home. when I asked them about the insurance and if something was to happen during the times I did not have it who would be liable and they told me I would. Why would I not want insurance to protect the biggest investment I have. 
PLEASE HELP Thank you XXXX XXXX
Product: Credit reporting

This is my first time attempting to correct my credit history. I had many judgements against me and my property. They have since been clearded theough the XXXX, XXXX Md. Please help resolve this issue. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$250.00} ; XXXX XXXX XXXX XXXX XXXX : {$320.00} ; XXXX XXXX  XXXX XXXX Balance : {$390.00} ; XXXX XXXX XXXX Balance : {$950.00} ; XXXX Inquired on XXXX XXXX, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I have a money lion account and they took out a payment without authorization from my ex wifes account. I never gave them this information, as I was only an authorized user on the account. That is my ex wifes account and only her money goes into that. They money they took out of her account, for an account she does not have with Money Lion, would be fraud. Money Lion needs to credit back the money to her account and they wouldnt
Product: Checking or savings account

Account not being updated. my deposits are n't being  showed to 3rd  party companies to allow their records to be updated
Product: Credit reporting or other personal consumer reports

I obtained a credit card through XXXX XXXX back in XXXX of 2015. Subsequently after the XXXX layoffs I had to do a credit repair in which I settled the owed amount and paid them the balance ( {$850.00} ). Well for the past year and a half I have been battling with XXXX XXXX to correct my credit file. They reported a XXXX balance to XXXX credit agencies but left the {$850.00} balance on Trans Union. After going around and around with different departments ( credit card, collections and branch offices ) It is still on my credit file as a derogatory balance of {$850.00}. I got in touch with an employee in their credit card collections dept which told me they would be sending a removal letter but the only thing that happened was they updated the description. I still had a derogatory {$850.00} balance at Trans Union which is incorrect as they did send the correct XXXX balance to XXXX and XXXX. Well I contacted them again and was able to speak with a Branch Mgr/XXXX  who actually responded to my emails/calls but unfortunately whatever was submitted from XXXX  XXXX ended up just placing the derogatory description back onto my credit file which dropped my score XXXX points. Then a month later I got an alert that XXXX  XXXX added the derogatory {$850.00} balance to XXXX. I now have XXXX bureaus reporting this and my score dropped another XXXX points for a total of XXXX points within 2 months which cancelled my mortgage negotiation contracts! I notified the Branch Manager who actually responds to my inquiries and they advised me that they are escalating this but after this long it is only right to file a complaint with the XXXX  and CFPB. I have my acct number and I monitor my credit through XXXX different vendors that can support this happened. Please help me rectify this situation.
Product: Debt collection

M & S Recovery Solutions, LLC contacted my mother on a past debt that I was not aware of on XXXX/XXXX/2015. They left a message for her to call them back. When she called they told her that they were going to file a XXXX on her with the IRS on a Credit Card purchase of mine at XXXX XXXX XXXX and told her to have me call them immediately to prevent this action. She was never involved with either the obtaining of a credit card for me or any purchase I made at XXXX XXXX XXXX and they are threatening her and giving her information on my account with them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number - XXXX Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND A FEW INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION AND WOULD BE ABLE TO DO SUCH A THING TO MY CREDIT. I HAVE BEEN UNDER A LOT OF STRESS BECAUSE OF THIS. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Product: Checking or savings account

I bought a XXXX XXXX from XXXX for {$1100.00} I didn't need the product so I returned it, XXXX weeks passed and I got no refund so I opened a claim with my bank to get my money back, my bank being incompetent and unable to read a tracking ID sided with XXXX. Its now been XXXX days at the time of me writing this without my refund and I would just like my money back. In my bank account this transaction shows up as XXXX for {$1400.00}
Product: Vehicle loan or lease

On XXXX XXXXXXXX XXXX I went on a medical leave of absence due to my XXXX XXXX   from my employer XXXX XXXX. Located in XXXX, XXXX After making a phone call to Gm Financial 's customer service department to inform of the XXXX and attempt to make deferment arrangements, I was told that I could not obtain a deferment due to no payments being made on the account. I then called GM Financial again and spoke with a different representative. After explaining my situation to him, he obliged to helping. He advised that he could assist me if I could make the XXXX payment which was due XXXX/XXXXXXXX  before XXXX XXXXXXXX XXXX I was advised to download the GM Financial app to my cellular device for faster payment service. A payment was initiated and processed on XXXX/XXXXXXXX @ approximately XXXX EST. The payment was made by XXXX XXXX XXXX XXXX my sister ) and was from her XXXX XXXX XXXX XXXX checking account ending in XXXX. The app asked for a XXXX digit account number, which XXXX XXXX XXXX XXXX XXXX not have XXXX digit account numbers, they are XXXX digit account numbers. On the XXXX XXXXXXXX XXXX My sister advised that she did not see the payment pending on her account and suggested I call GM Financial, which I promptly did. I was transferred to the " online Department '' who advised me that the payment was recieved and was not late and would be posted by XXXX EST. On Friday XXXX/XXXXXXXX the same representative that advised that I make the first payment in the amount of XXXX gave me a call to set up a deferment for XXXX and XXXX of XXXX. I advised him that my official return to work date was XXXX and that I'd be able to catch up. The representative set me up with the deferment and gave me a pin number. When I tried to follow the link to put the pin number in, it said there was no match to the account. I attempted to contact GM Financial on Saturday XXXX to find out their offices closed at XXXX EST. I attempted to call on XXXX and got an automated message saying " Due to unforseen circumstances, our offices are closed and will reopen tomorrow. I then contacted GM Financial again, Tuesday XX/XX/ and was advised that the payment was not recieved, stating that the account number " was not found. The payment was immediately mafde via telephone representative with the very same account number and was processed immediately. To no fault of my own I now have a missed/ late payment recorded on my credit file. This has plummeted my credit score 75 points. Not to mention my daughter XXXX XXXX XXXX is the cosigner whose credit score plummeted 92 points because of this.
Product: Checking or savings account

Hello, I reach out to Chime regarding all these ATM fees. When I signed up for an account with chime. One of the reasons was a fee free checking account. ATM fee free. I never noticed the fee until a few weeks ago. I wasn't looking closely enough because the stated they are fee free. Moving forward I reached out to a chat agent with a very detailed list. I will provide below. 
Hi Chime XXXX XXXX - I noticed several fees on my Chime account that I would like to ask for a refund on. I have been a loyal customer of Chime and hope to continue, but these fees are becoming really frustrating .... Especially when there are now so many fee-free banks and its been such a tough year! 

Can I get a refund on the {$42.00} from my transactions below? 


Out-of-Network ATM Withdrawal Fee - XX/XX/XXXX - {$2.00} Out-of-Network ATM Withdrawal Fee - XX/XX/XXXX - {$2.00} Out-of-Network ATM Withdrawal Fee - XX/XX/XXXX - {$2.00} Out-of-Network ATM Withdrawal Fee - XX/XX/XXXX - {$2.00} Out-of-Network ATM Withdrawal Fee - XX/XX/XXXX - {$2.00} Out-of-Network ATM Withdrawal Fee - XX/XX/XXXX - {$2.00} Cash Withdrawal Fee - XX/XX/XXXX - {$2.00} Cash Withdrawal Fee - XX/XX/XXXX - {$2.00} Cash Withdrawal Fee - XX/XX/XXXX - {$2.00} Cash Withdrawal Fee - XX/XX/XXXX - {$2.00} Cash Withdrawal Fee - XX/XX/XXXX - {$2.00} Cash Withdrawal Fee - XX/XX/XXXX - {$2.00} Cash Withdrawal Fee - XX/XX/XXXX - {$2.00} Cash Withdrawal Fee - XX/XX/XXXX - {$2.00} Cash Withdrawal Fee - XX/XX/XXXX - {$2.00} Cash Withdrawal Fee - XX/XX/XXXX - {$2.00} Cash Withdrawal Fee - XX/XX/XXXX - {$2.00} Thanks a ton, XXXX After sending that. the agent told me she was sorry, but she can not help me and issue a refund because these fees are pass 30 days. So, I told the agent, well that not fair, they shouldn't be that's false advertising. She just said I'm sorry I can't help you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX DATE XX/XX/XXXX XXXXXXXX XXXX-INQUIRY DATE : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXINQUIRY DATE XX/XX/XXXX XXXX XXXX XXXXINQUIRY DATE : XX/XX/XXXX XXXXXXXX XXXX XXXX INQUIRY DATEXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent multiple disputes to all the credit reporting agencies for personal information being reported incorrectly, collection accounts not being verified after I asked for documentation via mail, payment history not being updated after I had correspondence with the company to correct inaccurate information that they were reporting to the credit bureaus, and disputes for inquiries I did not authorize. 
XX/XX/2021, XX/XX/2021, XX/XX/2021, I sent a fourth set of dispute letters but can't locate the receipts.
Product: Credit reporting, credit repair services, or other personal consumer reports

over a five month period I paid off four installment loans and two credit cards years in advance. Upon completing this goal, my credit score DROPPED significantly. The Credit Bureau said that was because I am now considered a 'thin file ' what they did NOT do is herald me for the herculean effort, dedication and commitment to paying off these loans ( you know the stuff we are supposed to be judged for ... ) these acts clearly demonstrate the credit reporting trinity does not measure the consumer on their honesty, integrity or performance, but rather on made up metrics that change to suit their interests and that of the credit companies who simply want to charge higher rates. This is a very disheartening unfair and uneven playing field. No one is holding this group accountable for their actions. It needs to stop.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding inaccuracies in the payment history reported on my Equifax credit report by XXXX XXXX XXXX. 

Despite multiple attempts to resolve the issue directly with both Equifax and XXXX XXXX XXXX, my credit report continues to inaccurately reflect excessive late payments for my XXXX XXXX XXXX account ( Account No. XXXX ) during XXXX and XXXX. Specifically, Equifax reports that I was XXXX and XXXX days past due during several months, including XXXX, XXXX, XXXX, and XXXX of XXXX and XXXX. However, based on my actual payment history, while there were minor delays, I was not as delinquent as reported. 

Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX is legally obligated to report accurate information to credit reporting agencies. I have disputed these inaccuracies with Equifax multiple times, but they have failed to correct the errors, instead relying on XXXX XXXX XXXX ' verification, which I believe to be inaccurate. XXXX XXXX XXXX has not adequately reviewed the documentation I have provided, which demonstrates the inaccuracies in the late payment reporting. 

I have included my XXXX XXXX XXXX payment history as evidence of the discrepancies. I believe Equifax 's failure to correct the inaccuracies violates my rights under the FCRA, and I am seeking your assistance in ensuring this matter is resolved. 

I request that the CFPB investigate this issue and ensure that Equifax and XXXX XXXX XXXX correct the inaccurate reporting, as this ongoing error has negatively impacted my credit standing. Additionally, I seek written confirmation from both Equifax and XXXX XXXX XXXX once the necessary corrections have been made.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, the accounts on the list below have violated 15 U.S.C. 1681, which protects my right to privacy and confidentiality as a consumer. 
XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights. 
602 15 U.S.C. 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
604 15 U.S.C. 1681b ( a ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

605 15 U.S.C. 1681c ( a ) No consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information other than records of convictions for crimes that antedate the report by more than seven years.

623 15 U.S.C. 1681s-2 ( e ) Accuracy Guidelines and Regulations Required ( A ) Establish and maintain guidelines for use by each person that furnishes information to a consumer reporting agency regarding the accuracy and integrity of the information relating to consumers that such entities furnish to consumer reporting agencies, and update such guidelines as often as necessary.
Product: Bank account or service

I Had XXXX deposited into my account at usaa federal savings the money never posted to be used by us. The money was misappropriated ..so we turned to fdic and after talking with XXXX at fdic she worked out a agreement with usaa for us to be paid back at a interest rate of 40 % for every 2 weeks they held our money. And after atleast XXXX requests from XXXX for a copy we can not even get a return phone call from her ..we have recorded phone calls of her stating she was sending it, our complaint is for XXXX to provide a copy of the agreement or our money to be paid back at the agreed upon interest rate
Product: Credit card

XXXX XXXX decided to close my account because I did an address change via app. They charged me an {$170.00} annual fee. This dont make any sense why my account was closed or revoke. I feel discriminated against.
Product: Credit reporting or other personal consumer reports

I have a collection account listed on my XXXX credit report listed as XXXX XXXX Account # XXXX for the amount of {$2200.00}. 

An a collection account in my Experian credit report listed as XXXX XXXX XXXX Account # XXXX for the amount of {$2200.00}. 

I am requesting validation of this debt from this collection company.
Product: Checking or savings account

On XX/XX/XXXX, I opened a new checking account online with PNC Bank which offered {$200.00} bonus. All the requirement has been met, but I have not received the bonus about five months later.