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

I received a refund voucher from merchant. Credit card co. has not credited my account.

Attached is letter to credit card co. and copy of refund from merchant. Charge still shows on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account servicing on behalf of XXXX XXXX XXXX Bank was moved from XXXX XXXX  XXXX to XXXX XXXX XX/XX/2019. Despite a letter from XXXX XXXX to XXXX stating the account has been transferred and therefore closed, XXXX continues to report the account incorrectly in open status, affecting my credit report. 

I have spoken to multiple people at XXXX promising to resolve the issue over the course of the last year without resolution. Contacts include XXXX ( employee XXXX ), XXXX ( XXXX ) and XXXX ( XXXX ). My latest interaction with XXXX XXXX XXXX ) was to send documentation of the issue from the credit bureau and two letters from XXXX XXXX clarifying the issue and the transfer to XXXX, these items are attached. I have emailed XXXX 3 times receiving no response despite his promise to respond immediate upon receipt of my emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

i saw inquiries on my credit report that i don't recognize, i sent mail to the three credit bureau on XX/XX/2020, to fix the problem. 
XX/XX/XXXX still didn't answer back to me. 
Equifax and XXXX  answer back telling that nothing was wrong the inquiries but was able to show me the prove that I initiate the inquiries. 
No documents, no email, nothing!!! 
this situation cause me prejudice, i try to buy a house and all these false inquiries on my credit report make my credit score drop.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I RENTED a french horn for my 9 year for the XXXX school year. An hour later I got a notification from XXXX XXXX that a hard inquiry was put on my credit score. No where on the double page sign up did I authorize a hard inquiry on my credit for a rental of an instrument. I called the company and they informed me that sometimes that happens when there is a rental for a more expensive piece of equipment. I did not provide my social security number, I did provide my license, apparently they have a system that can populate my social security number from my license which is inappropriate given the circumstances. The company provided me with the XXXX number to dispute this hard inquiry. I called XXXX and was directed here.
Product: Vehicle loan or lease

IN XX/XX/XXXX PURCHASED A VEHICLE WITH XXXX XX/XX/XXXX. I PURCHASED THE BEFORE I WENT ON XXXX WITH THE XXXX XXXX. WHILE XXXX WITH THE XXXX THE VEHICLE WAS REPOSED. I MADE SEVERAL ATTEMPTS TO MAKE ARRANGEMENTS WITH THE COMPANY WHEN I RETURNED FROM XXXX TO NO AVAIL. THE COMPANY REFUSED TO ACCEPT THE LAWS IN PLACE REGARDING XXXX XXXX PERSONNEL. THE VEHICLE WAS REPOSED IN XXXX AND THE COMPANY DID NOT SEND A LETTER OF ACCELERATION OR A PAYOFF AMOUNT. THE COMPANY ALSO NEGLECTED TO REPORT TO THE CREDIT BUREAU FOR A PERIOD OF 3 YEARS. IN XX/XX/XXXX THEY REPORTED THE REPO AS A NEW ACCOUNT DELINQUENCY, WICH HINDERED MY ABILITY TO REBUILD AS THE FCRA ALLOWS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not able to access my Transunion Credit Report through annualcreditreport.com nor transunion.com. Each time that I try to authenticate my information, on both platforms, it says that it can not be completed at this time or gives some type of error message. This is the second or third time that this has happened. I do not have the same issues with XXXX or XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX, Experian, XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : National credit system Account # XXXX date opened XX/XX/XXXX bal. {$11000.00}, opploans/finwise Account # : XXXX date opened XX/XX/XXXX bal. {$2200.00}, XXXX XXXX & A Account # XXXX XXXX XXXX XX/XX/XXXX bal. {$1600.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1500.00} XXXX XXXX. XXXX XXXX Account # : XXXX bal. {$1100.00}, XXXX XXXX Account XXXX XXXX XX/XX/XXXX bal. {$880.00}, XXXX XXXX XXXX Account # XXXX XXXX XXXX XX/XX/XXXX bal. {$860.00}, XXXX. XXXX, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$300.00}, The XXXX natl XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$240.00}, XXXX. System, XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$110.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX Account # XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX 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, credit repair services, or other personal consumer reports

XXXX XXXX account XXXX XXXX This company is reporting my consumer information inaccurately as follows : 1. Its reporting as a charge off but says there is currently a balance. They cant claim as a loss on taxes & also still collect said debt. 

2. They are also reporting my last payment as XX/XX/XXXX on XXXX & Experian. Yet, on XXXX they are reporting XX/XX/XXXX as my last payment. 

3.Their reporting on XX/XX/XXXX under payment history says Charge off on Experian, Paid on XXXX and then nothing for XXXX. 

4. Also they are reporting my account opened on XX/XX/XXXX but only reported to Experian as paid. Then XX/XX/XXXX - XX/XX/XXXX show as paid on experian but XXXX as paid no issues with XXXX & 0 payments ever on XXXX. 

5. Reported as charged off across all 3 bureaus but have not reported any payments to XXXX while reporting to Experian as well as XXXX of payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$1900.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$6500.00} ; XXXX XXXX Balance Owed : {$4400.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$870.00} ; XXXX XXXX XXXX XXXX Creditor : XXXX ) XXXX Balance Owed : {$2500.00} ; XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance Owed : {$780.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) Balance Owed : {$1200.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) Balance Owed : {$9300.00} ; XXXX XXXX  XXXX XXXX Owed : {$2200.00} ; According to FCRA XXXX XXXX ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Debt collection

On XX/XX/XXXX I sent a registered letter to Portfolio Recovery asking for proof of the debt as I do not recall the debt. They received the letter and signed for it on XX/XX/XXXX. The letter ( attached ) was a letter of dispute and proof of debt request. They did not respond until XX/XX/XXXX ( letter attached ) which is past the 30 day window and they did not as of XX/XX/XXXX ( report attached ) mark the item disputed. For lack of proof and not responding nor marking the item in dispute I request that this permenatley be removed from all 3 of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there was a CHARGE OFF account on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time, but still youre not taking any actions. I have never with this account listed below, so please help me remove these charge off, from my personal profile. A copy of my Utility Bill, DL, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

XXXX XXXX XXXX
Product: Vehicle loan or lease

Payments were made on time but did not reflect as such, resulting in negative remarks on credit report Fees and penalties were applied to account. Loan was opened in XX/XX/2019.
Product: Debt collection

A debt collector ( XXXX XXXX XXXX XXXX XXXX XXXX ) called me around the first week of XXXX, XXXX, stating I owed a debt for a large amount of money {$21000.00} roughly. They said if I didnt pay a substantial amount, to which I said I couldnt afford, that they would garnish my wages with my employer. I informed them that the debt was charged off by a previous debt collector, and that Id been penalized by the IRS for canceled debt that I didnt claim on my XXXX taxes. I also said that I was well within my rights to no longer be in danger of being sued for this debt. I stated that I would need proof of the debts authenticity, and I would respond with what I would do next. 

I received a letter about a week later, and in the letter it said I had only 14 days to respond or they would take further action. I understand that legally I have 30 days to respond. Unfortunately, just last week, I got a letter from my payroll department, stating that a judgment for wage garnishment had already been issued. It also said I was served with the proper paperwork, on XX/XX/XXXX, but I was never served with anything. Furthermore, I was at another location when the company says they served me. 

I have still not received anything but a letter from my employer saying that wage garnishment has already gone into effect. Im going to respond within a 60 day timeframe, but the debt has surpassed the statute of limitations in the state of Washington where I live. This debt collector has bought old/expired debt, and is attempting to make money off of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian hasn't updated my credit profile to reflect current credit card usage, payment history, loan information, and updated credit score. This is resulting in denial of balance increasing and gaining more credit due to companies using Experian to research credit history.
Product: Student loan

Student loans maxes out can't pay for math class destroyed financially. INVESTIGATE XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX  XXXX {$2900.00} XXXX XXXX {$2300.00} US DEPT XXXX XXXX {$2900.00} US DEPT XXXX XXXX {$2300.00} XXXX XXXX SV ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX {$2300.00} US DEPT XXXX XXXX {$2300.00} ( XX/XX/XXXX XXXX US DEPT XXXX XXXX {$3100.00XXXX XXXX XXXX {$2900.00} XXXX  XXXX {$3500.00} US DEPT XXXX XXXX {$3500.00} US DEPT XXXX XXXX {$2900.00} XXXX XXXX {$1500.00} XXXXNET XXXX {$3500.00} US DEPT XXXX XXXX {$1500.00} {$3500.00} US DEPT XXXX XXXX {$3500.00} US XXXX XXXX XXXX {$2900.00} XX/XX/XXXX US DEPT XXXX XXXX {$2300.00} XX/XX/XXXX US DEPT XXXX XXXX {$2300.00} XX/XX/XXXX US DEPT XXXX XXXX {$3100.00} XX/XX/XXXX US DEPT XXXX XXXX {$3500.00} XX/XX/XXXX US DEPT XXXX XXXX {$2900.00} XX/XX/XXXX XXXX DEPT XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$3500.00} XX/XX/XXXX XXXXT XXXX {$2900.00} XX/XX/XXXX XXXX XXXX {$2300.00} XX/XX/XXXX XXXX DEPT XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX DEPT XXXX XXXX {$3100.00} XX/XX/XXXX US DEPT XXXX XXXX {$2300.00} XX/XX/XXXX US DEPT XXXX XXXX {$0.00} XX/XX/XXXX XXXX US DEPT XXXX XXXX {$2900.00} XX/XX/XXXX XXXX DEPT XXXX XXXX {$3500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$3500.00} XX/XX/XXXX US XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX {$3500.00} XX/XX/XXXX US XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX
Product: Credit reporting

I spoke with Transunion regarding the inquiries that were deleted from my credit report and then mysteriously reappeared. They informed me that they would not be able to remove all of them and only removed XXXX of the XXXX. The reason they gave was because they were from a particular date, however, regardless of the date, these inquiries were removed and placed back on my credit report and I know this is in violation of my rights. The inquiries that remain on my Transunion credit report should be removed and not placed back on again.
Product: Checking or savings account

I opened an account in XX/XX/2023, because I saw an ad for a {$320.00} checking bonus promotion with over {$1000.00} of direct deposits to the account. Within the month of XXXX, I posted {$1200.00} worth of direct deposit transactions to the account as evidenced by the XXXX statement. In XXXX, I called the local branch on XXXX in XXXX, AZ to see what was up with the bonus and they assured me that the transactions did in fact qualify and to wait to see the bonus. I called again to the branch in early XXXX and was told to wait until the end of the month to see the bonus post. At the end of XXXX, on XXXX I called the corporate support team and they said I didnt qualify- then I told them when the XXXX posted as well as correcting them about there being no minimum balance requirement attached to the offer code. I was then told that I should have received it and that they would file a non payment of bonus form on my behalf and it would take XXXX business days for a response. I called on XXXX to see what happened since it had been XXXX business days, and I was told to wait another day until today to get a response. I called today, XXXX, and was told that the form had been submitted but there was probably a backlog and to wait more. This is extremely frustrating and it seems all the cards are stacked against me here. I have proof I applied the offer code, proof I met the requirements per their system status as well as a branch representative confirming I met the requirement during the qualification period, and it has now been more than the highest end of time their support quoted to get a resolution and I am still being told to wait. I just want my {$320.00} bonus that I am owed. It has taken hours of time and I have gotten nowhere. I have been told by the highest level of phone support that they have no power to resolve this and must just wait for the form they submitted to make its way through the process- no way to credit my account, no way to contact the non payment of bonus team. This is unacceptable. Furthermore, I have seen many other people in similar situations as me online post about there being duplicate bonuses on their accounts, and others getting none. Any attempt to say my XXXX isn't XXXX is invalid as their system says it is a XXXX and many others with similar deposit methods received their bonus, and they should treat all customers equally although it appears not. Their systems and processes are clearly dysfunctional in this regard. All I am asking for is the bonus I am owed you would think with XXXX XXXX track record they would be better in this regard. Apparently not.
Product: Checking or savings account

Chime failed to provide provisional credit despite Regulation Z requiring them to do so in most chargeback cases. 

They denied my dispute without providing a clear, written explanation of why I was still responsible for the charge. 

They falsely cited Regulation Z as a reason for denying me provisional credit, which is misleading and potentially unlawful. 

They promised to provide a written explanation within four hours, but after four days, they still have not responded. 

XXXX informed me that this issue is solely Chimes responsibility, but Chime refuses to process my refund properly. 

I am demanding an immediate refund of {$130.00} and a full explanation of why Chime mishandled my chargeback. 
I filed a chargeback dispute with Chime on XX/XX/XXXXXXXX, for a {$130.00} charge related to a defective phone purchased from XXXX. 

XXXX accepted the return and acknowledged the phone was defective, yet I was still charged. 

Chime initially accepted my dispute but then denied it exactly 30 days later on XX/XX/XXXX, which appears to be intentional stalling. 

Chime failed to issue provisional credit during the dispute process, which is standard banking practice for chargebacks. 

They falsely claimed that " Regulation Z '' prevented them from issuing provisional credit, but they refused to provide a written explanation of how this applies to my case. 

Chime promised a written response within four hours but, after four days, has still failed to respond. 

XXXX confirmed that Chime is responsible for this chargeback, yet Chime refuses to issue my refund.
Product: Consumer Loan

on XXXX/XXXX/2013 I made a {$20000.00} payment to Ket Bank against my principle balance. After making the payment I confirm by phone with Key Bank that the payment would be applied to the principal only! I later found that they applied it to future payments - collecting a years worth of payments and interest in advance. I also feel they collected double interest for more than a year before their indiscretion was discovered. Now that this loan is paid in full ( and then some ) Key Bank refuses to refund me any and all overpayments made against this loan.
Product: Money transfer, virtual currency, or money service

I had an account that I closed. Im now trying to reopen my account or create a new account to use the credit builder feature just released and they are preventing me from doing so, being rude and not providing any information about why I cant open an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following listed account below and it should not be on my credit report. This has been dismissed years ago Chapter XXXX  Bankruptcy Case Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a copy of my report from LexisNexis. When I review the report, I was shocked to find as many as XXXX reporting errors, including insurance information, public records, addresses that were not mine and other information that clearly indicate that I was a victim of identity theft. Unlike the credit bureaus, this information was inaccessible to me and the agency is not required to provide an annual report. A family member informed me of LexisNexis, instructing me to request a report.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft i have sent several notices to the credit company 's and i have yet to get anything deleted this is hindering me from obtaining credit
Product: Debt collection

I am being repeatedly called by XXXX in regards to the XXXX credit card. I have been out of town as an immediate family member died suddenly. I missed XXXX payment due date while I was gone because I had family matters to handle. I have a payment scheduled. I was called XXXX times today ( XX/XX/2023 ) alone. The times are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I told them a payment was already scheduled and just buried a family member and their behavior is extremely harassing. I asked them to stop calling me. I have NEVER had a credit card contact me so relentlessly over XXXX missed payment. This has been going on for XXXX  days straight.
Product: Prepaid card

Income now works with chain of fraudulent merchant, I WANT INCOMM TO PROVIDE DOCUMEN USED IN DENYING MY DISPUTE, this dispute was closed same day it was opened .. government needs to take croon gain at income this is becoming my too much, merchant already agreed transaction was fraudulent. provide the document used in investigating case XXXX, you cant be supporting fraudulent merchant that I know nothing of, the card was not used by me, it wasnt used in my state, not used on my IP. PROVIDE THE DOCUMENTS USED TO DENY MY DISPUTE .you closed this case the same day it was opened XX/XX/XXXX but waited till XX/XX/XXXX to reply cfpb just to make it looked like you actually investigated the case I attach an image of their email since XX/XX/XXXX
Product: Credit card or prepaid card

Direct express does not want to give me my money for the whole year of XXXX and 1 month in XX/XX/XXXX in total 13 month of SSI and SSDI payments they issued out three direct express cards to who knows who but some how got my idenity and ordered new cards and swipped out XXXX but I'm the one who giving inaccurate info and they don't want to even do there investigation rite so I'm owed 13 months of money I never saw used my information has always been updated with a bank account and now I get all these issues and no real solution to my money credits just a total shut down I sent papers the same they sent me and still nothing has come upon I need to find somebody who enforce these people to release my funds I'm a victim of identy thieft and fraud with a government agency