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

On XX/XX/XXXX I was unable to access my American Express Serve account. When I attempted logged in to app, I had message with XXXX number to call becauae account was frozen. I called answered all security validation questions and was transfered again. Repeated process and was told my account was permenantly froze and I wouldnt receive ANY OF MY {$3000.00} THAT WAS MY MONEY ALL LEGITIMATE!!!!!! They have never sent single email or phone call! No explanation besides user agreement 15d ... .. Which is vague piece of trash basically saying They can CRIPPLE your family and steal your hard earned money for any reason they want! its been a month and no word! I was told by one of the multiple " supervisors '' I spoke with that I would hear from them after 10 day investigation! I was told all MY MONEY would be returned to funding source!!!!! What about my cash reloads from all around Texas???? Hpw Will I be refunded! This is an outrage and I 've been relentlessly seeking justice and exposing this " business ''! I 've found multiple othet victims of American Express Serve and am in contact with them. I have XXXX small children and this has caused more p4problems than you can imagine! My money was stolen and I need help please!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. As a victim of a data breach, these accounts and inquiries were added without my consent. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these items be immediately blocked and removed. 
Fraudulent Accounts : XX/XX/XXXX XXXX XXXX XX/XX/XXXX - {$00.00} BANKCRUPTCY - XXXX - XX/XX/XXXX - {$00.00} BANKCRUPTCY XXXX XXXX - XX/XX/XXXX - {$00.00} Fraudulent Inquiries :XX/XX/XXXX
Product: Checking or savings account

I opened a 2 Checking a 1 Savings Account with Chase Bank. I managed the accounts properly never having an issue with the bank. I noticed that there was some unauthorized activity on my accounts and I contacted Chase. They opened up a dispute for me and suggested I open a new account and close the existing accounts.I was waiting on my direct deposit to post and then I would close the accounts.I go to login and was restricted only to learn later that Chase closed all of my accounts. I received a letter in the mail stating that I had not returned paper work timely. The thing is, no paperwork was ever requested from me. I feel as if I have been improperly targeted by Chase Bank. I feel embarrassed, discriminated against, and violated by the actions that Chase has taken against me.
Product: Checking or savings account

I am in the middle of a legal name change with XXXX XXXX XXXX. 

XXXX XXXX XXXX to XXXX XXXX XXXX XXXX I had a cashapp XXXX attached to my phone number an account for me. It was closed out. No email associated with it. I had about {$3.00} in the savings account. Once the account was closed, I forgot about it. Reached out asking about the funds, given the run around. I was asked to verify my identify, I did. I can even provide the court documents for my legal name change.
Product: Mortgage

I am applying for a XXXX year fixed rate mortgage with eLend also doing business as XXXX. On my original loan estimate that I received and signed the total cash to close is {$1900.00}. I received the updated closing documents showing the new closing cost of {$4600.00}. I have made multiple attempts to contact eLend and resolve this. I am unable to reach my loan processor or a team lead. I have only been able to speak with sales XXXX who has explained to me that there have been changes to the escrow withholding in addition to the title work and that is what is causing the change. The entire point of the loan estimate is to protect the consumer from bait and switch and in this instance that is exactly what is happening.
Product: Vehicle loan or lease

I received notice dated XX/XX/2019 from Ally Bank, XXXX XXXX XXXX, XXXX XXXX XXXX, stating that I was declined for a new vehicle loan. The notice stated that my XXXX score was XXXX and my XXXX XXXX score was a XXXX. The notice also showed that two different measuring matrix 's were used to determine score. Since credit scores are compared, I believe this is a deliberate attempt to obtain higher interest rates from consumers. Most consumers are not aware of XXXX XXXX or their measuring system which automatically lowers credit scores. I believe Alley Bank is knowingly committing defamation of character and defrauding it's customers by using XXXX XXXX.
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 XXXX 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 us 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 homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax 5 times in the last year to remove a bankruptcy appearing on my credit. I have also provided documentation that the bankruptcy i have is too old to be on file and have provided proof. Equifax keep saying they verified the information with a third party source as accurate. When i asked to be provided with documentation of who provided the information, i got no response.
Product: Debt collection

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX 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. 15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax, XXXX, XXXX, written permission to furnish these accounts.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be updated from my file right away XXXX XXXX XXXX Balance Owed : {$3.00}, XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXXXXXX Balance Owed : {$820.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I got ta say, your letter really ticked me off! How in the world can you just shut down my request for help with my credit report like it's no big deal? Your reasons don't make any sense, and it feels like you're just tossing my concerns out the window. I'm not trying to mess around here I genuinely believe I'm a victim of identity theft. I sent you all the proof, and you're telling me I made an error or lied? Seriously? I need you to take a second look and get it right this time. I'm not giving up, and I expect you to step up and fix this mess you're making of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple  XXXX   XXXX  accounts on my credit it was deleted and put back on my credit. I ask them to validate the debt with signature they havent provided me with no proof of this debt. This is the second time i reported to your company for violating. They have agreed to remove it from my credit report it has been a month nothing has happen.
Product: Mortgage

I requested a copy of my original loan documents thru Mr cooper website they say they have sent them and I have not received by mail or by email or in my office suit on Mr cooper site where I had received all payoff amounts and other communication from Mr cooper. A few of the documents during sales of property are also missing like my original payoff quote of almost XXXX XXXX of XXXX the corrected payoff quote of almost XXXX XXXX XXXX is posted which is almost the original purchase price of the XXXX loan and I was required to pay when I sold the property. All deferred payments during COVID relief show as late or deliquent and are negatively impacting my credit score.
Product: Checking or savings account

I called PNC to close my account and someones told me they would but its still open.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/XXXX to XXXX, Transunion, and XXXX. However, it has been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Debt collection

I called XXXX XXXX insurance to inform them that I obtained a new insurance company and for them to cancel my policy. I gave them the dates which overlapped with my new coverage of XX/XX/17. My policy with the new company began on XX/XX/2017. I bought my house and combined my auto with house insurance. The next month they sent me a bill and I called them and they said to disregard as they see when I called in, then continued to send me bills emails and voice messages that my bill was past due and the amount kept growing as I constantly called and disputed and complained that I no longer had a policy with them but they kept arguing with me that I did every time I called. I called and called and called but they would not stop calling and sending emails I finally blocked their emails. Now I have received a collection notice in the mail for {$460.00}. I called them again and they told me that I did not return some email that was sent to me that needed to be responded to for termination of coverage!! I then told them that I never received such an email and if it was needed for them to now send it to me. The representative said they would send it but never did and now I am being harassed and pursued to pay this " false debt '' for terminated services. I have gone through this with XXXX XXXX before and refused to pay and they then put it on my credit report when I began to look for a mortgage so that I would have to pay it. I then had no choice but to pay them so that I could go forward with obtaining a mortgage to buy my house. this is not right and injust tactics to force me to pay for services I DID NOT RECEIVE AND CANCELLED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank Of The West is reporting an erroneous debt on my credit file. I recently checked my credit file an noticed this debt. I called and paid it immediately but they still have not updated the information on my credit report. This debt has been settled for a few months now and it is still reflecting a balance on my credit file. I need this account removed/fixed.
Product: Debt collection

This person keeps calling and the DEBT IS NOT MINE. XXXX called left threatening message for a XXXX XXXX I am not XXXX. Called everyday around XXXX leaving more threatening messages for a person named XXXX threatening to sue, threatening to file in court. I was finally able to make contact with this person XXXX XX/XX/2022 at around XXXX to tell him they had the wrong number, there is no XXXX here, he called me a liar, told me to stop trying to hide my husband and threatened to send someone to the house. I said I am unmarried, go ahead and send someone I will call the sheriffs. He cursed at me and hung up. I called back, I told him the called was being recorded he said then record this " you will pay the money or I will send someone, these calls will never stop and I will keep calling you! '' I told him to cease and desist, they have the wrong person. He hung up again. I called again repeatedly trying to contact someone, no answer. I googled the company and located his information. I called again after an hour this same guy finally answered. Again I told him, I am not the right person, they have the wrong number, he said he didn't care. I called the sheriff and filed a police report, I called the XXXX in my state and filed a report and now I am reporting to you.
Product: Credit card

On XX/XX/year> my account was hacked into and XXXX was stolen from me I'm a XXXX person who receives SSD I have tried for a year to recover my money BTW the credit card was Direct Express I filed a complaint with Comerica bank which oversees Direct Express I also filed a complaint with the Office of the Inspection General as of today I have received one email from Direct Express saying that their fraud department was activity working on it for almost a year I have bee back and forth with this company and I still have not received any money
Product: Student loan

First of all, I am one of many people who's accounts ended up being flagged as delinquent while MOHELA was transitioning their online platform and I wasn't able to sign in to make payments. So that was annoying at the very least and at most... seemed intentionally scummy. 

When I finally did get logged in, the first thing I did was set up auto pay. But then, a few days later, i got an email about my " cascading delinquency '' and then I got several emails about how my " Participation in auto pay had been removed. '' So after much panic and speaking on the phone to customer service, I set up auto pay again. and it was confirmed by that representative that I had done it correctly. 

Then, yesterday ( the day my payment was due ), I kept a weather eye on my email inbox for confirmation that my auto payment had been received. After waiting all day and seeing no update, I logged to my account today ( one day after due date ) and what to my wondering eye should appear, but an account update that stated that MY ACCOUNT IS PAST DUE. And Auto Pay was STILL SET UP! 

So now I've decided that Mohela can not be trusted to handle payments correctly. I will now be manually sending payments to them each month I guess. I'm very annoyed. I'm also worried about what this mean when I try to transition my account to an Income Based Repayment Plan, something they told me would " take 30-90 days '' for them to process even thought they could see my completed application on their end. I will commit myself to hounding them about that as well I guess. 

In short, if 2 class action lawsuits weren't enough of a red flag, MOHELA is NOT to be trusted!!!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX I have recently reviewed my credit reports from all three bureaus, and I have found discrepancies in the information reported. Specifically, the following items do not match across the bureaus : Listed above. 

Under the Fair Credit Reporting Act ( FCRA ), I understand that I have the right to dispute inaccurate information in my credit report, and the credit bureaus are obligated to conduct a reasonable investigation into my claims. I have already initiated disputes with each of the bureaus ; however, the discrepancies remain unresolved, and the inaccurate information continues to affect my creditworthiness. 

I kindly request that your office investigate this matter to ensure the accuracy of the information reported by these credit bureaus. I believe that the continued reporting of inaccurate information is not only detrimental to my credit score but also violates my rights under the FCRA. 

Please find attached copies of my credit reports from each bureau, highlighting the discrepancies mentioned above, as well as any relevant correspondence I have had with the credit bureaus regarding these disputes. 

I appreciate your attention to this matter and look forward to your prompt response. If you require any further information or documentation, please do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Debt collection

I hope this message finds you well. I've discovered that the information provided above doesn't accurately reflect the status of my accounts. After reaching out to the banks, they confirmed a software glitch caused improper reporting. They assured me it's fixed, and the accounts should show no late payments. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and DEPT OF ED/XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep my financial situations very small so I can spot fraudulent account very quickly I found a fraudulent account from XXXX XXXX XXXX XXXX # XXXX reporting on my credit. I have never rented anything from this company in my life. I am also have problems with my name being misspelled the correct spelling is XXXX XXXX please delete any other spelling of my name it is not correct. there are address that are not my showing on my credit report as well. Please delete the following addresses : XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX # XXXX, XXXX OH XXXX. I believe these addresses may have been used to compromise my personal financial information and SS DOB.
Product: Credit reporting

" Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed. Also notice.d that my date of birth was incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my mother that I kept receiving mail at her home from a collection company. She said she the most of the envelopes away thinking it was just trash. Until just recently she decided to open the most recent letter because it from the same place from before. I don't owe any money to anyone. Some one falsely has given my name and social to open many accounts under my name. I had to pull my report to figure out what was happening. I need all these fraudulent unknown suspicious accounts off my report. 

XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX XXXX   XXXX {$350.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response.They have not sent me any methods of verification or validating documents and have ignored the fraudulent activity on my credit report as well as allowed debtors to continue to report on fraudulent accounts.
Product: Credit card or prepaid card

I was expecting my paycheck on XX/XX/XXXXof this month to reflect on my Amex/bluebird card my paycheck is been paid there automatic, I logging online with my computer into my account to know if it's available on my balance cause my phone was at the doctor to fixed it but all of a sudden I tried to logging but not going through it keep saying the username and password combination isn't right, I call the customer care they said my account was permanently suspended and hang up on. The Amex XXXX and customer service line have been no help I still have money in there I have to pay rent food medication etc.
Product: Credit reporting

Experian has my XXXX XXXX account listed as closed. Its open and paid on timeattached is a copy of report and card information
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help me understand something, Ive been a victim of identity theft. The following accounts on my credit report are fraudulent. 
1.XXXX XXXX in the amount of {$500.00}. Ive never done business with this company nor did i ever enter into a written agreement with this company. Equifax has ignored my request to validate this debt. It has been deleted from all of my other reports. Per FCRA Only accurate information can be listed on my reports. 

2.. XXXX XXXX XXXX XXXX in the amount of {$2500.00} this is a fraudulent account, which was removed from my file earlier in the year. This Account is Fraudulent!! This company never sent me a letter stating they would be placing this on my report, which is a violation per the FCRA, This account is Fraudulent, Please Block/Delete from my report!! Ive never done business with this company or entered into a written contract with this company.