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

On XXXX I received a XXXX form from Chime XXXX XXXX which stated I needed to complete the form due to a ssn audit. 

I completed the form & sent it back using the pre pains envelope On XX/XX/XXXX, I reached out to Chime to ask if they had received my XXXX ( because if not, I could of transferred my funds out to one of my other banks ). The customer service rep stated if I used the prepaid envelope, then they would receive the form & there is nothing to worry about Less then 24 hours later-I try to log onto Chime and my account is closed. Unfortunately, you cant reach them on the phone without an acct so, I talk to them via email. XXXX stated if I send a copy of my SSN and ID then they may possibly be able to open the account back up. That was at XXXX XXXX  and despite the fact that I have sent them numerous emails, no one responded. Also, I reached out to the the XXXX - who stated they will send my request to all of their card services team and someone will respond to me in XXXX days. This is completely unacceptable. When it comes to funds, a consumer should have better access to customer service to get these types of answers that are so needed. 

A couple of things that I want to mention : XXXX the ssn audit was prompted because I have a hyphenated last name and opened the account with one last name. Chime claims that the system matches names from deposits to bank accounts. However, I have had direct deposits go into my Chime account under my hyphenated last name. 

* they did not give a 30 day window to return the XXXX ( even though we are in a pandemic and its election year, PLUS the holidays ) they notified via email on XXXX that I was going to need to complete the XXXX that was in route to me via mail. I received the XXXX and on XXXX, I returned it via the business reply envelope they provided. They wanted it back by XX/XX/XXXX and if not, the account would be closed on XX/XX/XXXX.
Product: Credit card

I was dealing with XXXX to set up a web business, after that I started getting calls from other companies offering online related business. That 's when I was contacted by XXXX who designed a website. I was also charged for a blog, a press release and video. Every time they would call they would ask for a new fee. There were several charges in total of $ XXXX.My store was ready for sales in XXXX but have not made a penny. A friend tried to find my store ( XXXX ) but could not find it. So I had no chance of making any money. They never intended to sell me a legitimate business. I have cancelled my debit card. I want and need my money back and I tried to resolve directly with them but they do not respond my refund requests.
Product: Student loan

I mistakenly continued paying my student loans during the Covid forbearance period because I was worried that if I stopped paying I would not qualify for the PSLF program which I was taking part of. Once I realized my mistake, in XX/XX/XXXX I requested a refund. During the pandemic, my service provider was switched from XXXX to Fedloan. Fedloan refunded me the balance from the time my loans were with them, but I did not receive the balance from XXXX. I paid XXXX {$860.00} from XX/XX/XXXX to XX/XX/XXXX ( XXXX each month ). Fedloan has repeatedly said they have put in the request for this refund, but after over 120 days there is still no resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

complaint against XXXX XXXX XXXX I purchased a Vehicle from a dealership that they financed roughly XXXX of XXXX. Not Relevant but, I put XXXX down and payments where at XXXX per month. i filed bankruptcy in XX/XX/XXXX. As it was my only vehicle at the time i was able to keep the truck by Making a re-affirmation Payment of roughly {$2500.00}, again number isn't relevant. The transmission, started to fail in XX/XX/XXXX so i traded it in on another vehicle financed by XXXX XXXX. XXXX XXXXXXXX paid the remainder of the loan to XXXX XXXX financial in the amount of {$6500.00}. 
the dealership offered {$4500.00} for the truck leaving {$2000.00} to be added onto my new loan. 

This took place after the Re-Affirmation of the debt to XXXX XXXX as well as after my Bankruptcy was Discharged. 

XXXX XXXX however reports the Loan as included in the Bankruptcy, it should be reported as PAID IN FULL. in turn was supposed to start my credit build. Instead being reported the way it is, not only has it affected my credit and my buying power causing me to have to pay higher interest rates but it also is fraudulent. 

By reporting it as included in the Bankruptcy, this would mean the {$2500.00} for re-affirming the debt paid out of pocket, the {$2000.00} payed for the remainder of the loan to XXXX XXXX as well as the {$4500.00} given to by the dealership to me for purchasing during the trade in should have been returned to me. instead XXXX XXXX has take this money as well as the Government insured pay out for the bankruptcy and gave me the short end of the stick by not reporting it correctly. 

not only is it reported incorrectly but it also is reported separately from the Bankruptcy giving me to negative hits for the same thing that is incorrect to begin with i have disputed it multiple times through all the credit bureaus as well as XXXX XXXX them selves and they fail to comply or offer explanation.
Product: Checking or savings account

On XX/XX/XXXX I walked into the TD Bank at XXXX XXXX XXXX In XXXX NY to report my debit card stolen and obtain a new card in person. When I opened the account just a few weeks prior I was told I needed to update my phone number with the agent because I had an old account in good standing. The agent updated my phone number at the time of opening the account so that I would be able to log into the mobile app. On XX/XX/XXXX I noticed my card was missing, its a new account that I dont use yet. I walked into the bank and no one greeted me. Workers were just standing around. Finally someone asked what I needed and I asked for a new debit card. I was told to sign into a kiosk and wait. Finally a gentleman called me over to his desk and I told him I noticed my card was missing and I needed a new card. He took my Drivers licensed, confirmed my account then asked if he could send me a code to my phone to which I replied yes. Once noticing I did not receive the code I asked to confirm the number to which he told me the number and I said oh thats my old number from my older account. He told me he could no longer help me and that my card would need to be shipped to my home address. I then explained that the number was indeed updated upon opening my account because I was granted access to my MOBILE account. He whispered to the supervisor sitting next to him who didnt even have the professioablism or respect to look up and simply said TD Policy, mail the card. So here it is XX/XX/XXXX, my account is now overdrawn because someone used my account to get gas and I still do not have my card in the mail. He never ordered it!
Product: Debt collection

The debt had more balance than I owed and I paid them with their agreement and the account is closed now. They promised that they are going to update my information to credit bureaus and they didnt. Since they already took the money they dont care if my credit is corrected or not. I ask them to call to the credit bureaus on a conference call because all the credit bureaus say that they didnt update my information. They denied my request. I think because they didnt send out the updated information and didnt want to get caught. 
I escalated my concern and wanted to speak with the manager who suppose to send out the updated info, but they forward my call to a voicemail box. I left a message to call me but I never received it. Even I paid lot of money, they just get upset at me. I dont know why they were keep yelling at me. All I want is I wanted to call XXXX and make sure that they send out my updated information. They wont do this part and now I am stuck in this I took care of my business and still not getting anything. 
And one of the agents was harassing me like If you wanted to be done earlier, I should've paid it earlier. But I did try for 1 and a half years trying to pay this but I couldn't because the organization sent the fund to the wrong address and that is what caused the delay. Also, this is none of his business. 
I didn't yell at them, I didn't took their money or I owe them any. I paid a lot of money instead so I don't know why I get treated like I owe them any. They are just avoiding their accountability and can't even prove that they finished their work and hung up on me and yelled at me. 
Without them stepping in, I will have my collection debt forever. 
I am not sure which side is lying. But all credit bureaus said if they have updated the XXXX of XX/XX/2024, they should be able to see it now and they can remove it. But they took the money though, they won't update it or help me correct my credit. I don't understand, why is me asking for a conference call to the credit bureau makes them crazy and angry. Do they want to hide that they didn't actually update my info? Is that why they get so angry when I ask for that? 
If I were in their shoes, I would be like Yeah, let 's have a conference call because we definitely sent your updated info and we want to let you know that we are not lying. They will have to investigate anyway, let 's make things get it done sooner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/XXXX and it was closed immediately. I submitted a complain again last XX/XX/XXXX and XX/XX/XXXX and again it was closed immediately with a reason ( The CFPB closed this complaint because it has already processed your earlier complaints about this problem. ). I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

THE FOLLOWING INQUIRES DO NOT BELONG TO ME This notice is to inform you that the bureaus are unlawfully reporting fraudulent INQUIRIES that arose from IDENTITY THEFT that I would like verified as required by law on my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This notice is to inform you that you unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 15 USC 1681 ( b ) ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. The Following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : My identity has been stolen you are hereby put on notice. Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. ( 1 ) IN GENERAL. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. An identification of me has been used without my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) 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. The XXXX bureas have aided this Fraud by not verifying these accounts. Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft.
Product: Credit card

On XXXX/XXXX/2016 Capital One called me and asked me to verify that I was me and asked for copy of my driver license, social security card and electric bill. When I told them I did not have an electric bill, they then asked for my bank statement. When I refused, they then threated to not only to close the account I had just applied for, but also the account I had for over a year. After speaking to their representive for about 30 minutes asking for a supervisor without her giving me XXXX, I did tell her to close the accounts in frustration. 
I believe that was too much information, as well as being disrespected by their representive by not allowing me to speak to anyone besides her. 
Later that night I called back and was told by a supervisor that was the only way to keep both accounts open. Even the original XXXX. He also told me a more secure way to send they information rather than faxed as I was told at first. So, I sent it. However, the account was closed anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion informed me tht ive had an account with them since 1999 i wonder how tht works bcuz i was only 14..so they have first hand knowledge im dealing with idenity theft and XXXX only knows wht else i made it clear tht they only have my permission on one addresse that i Give them permission to report bcuz the rest are not mine and are clearly from idenity theft or just are inaccurate and wrong i been dealing with this since i was a child.. i cant get them to delete completely false accounts and there information isnt accurate fair or have i give transunion hand written permission to put tht mess in my report its all from fraud lies and idenity theft ..Theres something really wrong with my information bcuz i cant even get phone numbers completly false info from these 3rd party collectors whos reports arent in compliance with Metro 2guidlines FCRA and yalls guidlines ,,, I need some help plz im sure there all about to just break every one of the guide lines yall have... i need your help getting these disclosures bcuz im homless over all this and the deformation of character in all this dishonest files and a million of inquaries tht i cant access... thanks for your help
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax indicated on their website ( https : //www.equifaxsecurity2017.com/ ) that my information was compromised when they were breached. This was reported on by XXXX on XXXX XXXX, 2017 ( XXXX XXXX XXXX ). 

This will require me to spend a lot of extra time monitoring and managing my credit. I will need to freeze my credit with at least three agencies and pay repeatedly to release my credit info every time I sign up for credit. 

My private data is out there due to Equifax, so is also likely that I will need to maintain this increased credit monitoring and freezing for the foreseeable future.
Product: Credit reporting or other personal consumer reports

I wrote to all 3 credit reporting agencies and only one answered and stated that because I am in XXXX - XXXX in XXXX said they can't help me yet XXXX stated this is a credit issue, not with XXXX but USA- I believe someone is using my identity and buying products and services and even taxes ( IRS ) has sent notifications to my mom 's house?! Threatening legal action. I was XXXX XXXX XXXX XXXX XXXX CALIFORNIA and I am a US XXXXXXXX XXXX.. please help me out.. I only discovered this after I requested a credit report and have finally looked into my FOIA and saw many indescrepencies -- I was like - this isn't me!?
Product: Payday loan, title loan, or personal loan

On XX/XX/2020 I ( the consumer ) XXXX XXXX XXXX ( XXXX ) sent via email a ACH Debit Authorization Revocation Notice on Loan ID : XXXX to XXXX XXXX XXXX ( XXXX ).  Confirmation of receipt of documented request was confirmed by XXXX XXXX XXXX as received on. The company proceeded to debit my XXXX XXXX XXXX account # ( ending in XXXX ). A email was sent to the company requesting reversal of debit charged. XXXX XXXX XXXX has not complied with request to reverse debit.
Product: Student loan

The private student loan that I took out with XXXX XXXX has accrued so much interest that it will be difficult to pay it back. The credits did not transfer to other universities. I had to take the same classes over again. I now have to pay back a student loan that was worthless to me.
Product: Credit card or prepaid card

I set up auto-pay in XXXX for XX/XX/2020 payment. Payment was not applied and I ws notified of a late payment. I thought that mayabe I had an issue with setting up the auot pay and simply went into the online account and set it up for XX/XX/XXXX payament, again. That payment did go through but was supposedly received late. I called and asked why that happened. They stared that it did not show up as an auto payment and I had gone into my bank and paid the amount. Definitely was not true. Even if that ws true, I have never had a problem making a payment on the due date or few days before this entire year. However, the CapitalOne representative stated that this was not their issue and banks are sometimes late getting the payment to them. I havehad this caerd for quite a while and have never had an issue. There is something very fishy about payments are all of a sudden not going through in a timely manner and setting up online auto pay doesn ; t fix the issue. I had set up the auto pay for the XXXX of ech month, the due date. CapialOne rep states that if the monies are not received on that date then it is my fault. I thought, if the XXXX  lands on a holiday or weekend, then the financial institution has to take the payment prior to that date not after, so as not to cause a late payment on the cardholder. CapiitalOne Rep offers to set up autopay plan for me while I am on the phone, which I agreed to..she proceeds to set up the payment for the due date, which was according to her the reason why my payments would be late. She stated that since she was settimg up the autopay that they would guarantee the payments not to be late. What kind of tactic is this where a creditor can pick and choose how they accept and record payments? I was given one of the late payments back but not both. I would like this investigated, because obviously their online auto payment sign up hs issues with correctly informing the customer where or not it was set up properly, I have at least a dozen other competitor accounts and not one of them has had this issue, And prior to me trying to sign up for auto pay, I had not had an issue with CapitalOne 's online payment process either, Please let me know if you can get to the bottom of this issue,
Product: Credit card or prepaid card

I got a vanilla gift card at XXXX on XXXX for XXXX $ dollars and when I wanted to put it to work it told me I had no funds.. I called the company and they never got back to me
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I had a credit score of XXXX. There were no issues regarding a Bank of America credit card on my history. After the car purchase, my credit dropped dramatically. After looking into this, I discovered that XXXX had pulled 2 hard inquiries ( 1 without my consent through XXXX ) and suddenly I was getting hit with an issue with a Bank of America credit card. I attempted to fight them and explained I never applied for the card. My husband XXXX was the applicant. They argued with me that I was a co borrower of this card. Furthest thing from the truth. I requested proof of my signature for this card and after months of waiting they sent me a scribbled line that they claim was my signature. It was not. My signature card on file with B of A is very legible ; as it is with all my signatures. I feel that because they are a large corporation they are attempting to fraudulently place my name with my husbands battle with them. I never once purchased anything on this card. My husband is currently in conversations with settling with them on his own issues of this card. I am beyond frustrated that it never came up until last year. It has ruined my credit score. I feel helpless and will not accept something that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CREDIT REPORTS. 
THESE SAID AGENCIES HAVE NOT CORRECTED THE FRAUDULENT ACCOUNTS.