23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX i allowed EQUIFAX XXXX to do an employee Screening for a Job that i had started At XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX . 
The next season which was the same year of the databreach in XXXX i was not hired because i didnt pass the screening. I was never even able ti View my W-2 or Paystubbs or anything.

Until This Day i have Been unable to recieve a real CREDIT REPORT OR EVEN A FREEZE BC I AM DENIED ACCESS. THE CREDIT REPORT I FINALLY RECENTLY RECIEVED AFTER 5 YEARS AND IDENTITY THEFT DID NOT LOOK AUTHENTIC AND WAS COMPLETELY EMPTY. MY HIRING PROCESS WAS THROUGH THEM SO HOW WOULD MY REPORT BE COMPLETELY EMPTY?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have    XXXX   inquiries on my credit report six days apart how is that possible if I only applied for one time.  I did not authorize the other hard pull on my credit report  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , SD  XXXX  (  XXXX  )  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , SD  XXXX  (  XXXX  )  XXXX  Please Resolve
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Product: Credit card or prepaid card

I called the Navy Federal Credit collection department to request a 1099-C form for a debt that was charged off on my credit card account. Unfortunately, my circumstances have led me to experience significant financial hardship and medical issues, which has made it difficult for me to pay my debts on time. I asked them in the hopes that they can provide me with the necessary documentation for tax purposes. ( 1099C ) I explain to them our i have been struggling with financial hardship, such as job loss, medical bills and other unforeseen expenses. Despite my best efforts, I have not been able to make timely payments on my account, and the account was charged off as a result. This has been a difficult time for me, and I am doing everything in my power to manage my finances and improve my situation. But they refuse to provide me with a 1099c despite the changed off is on my credit account.
Product: Credit reporting or other personal consumer reports

These accounts where charged off and repeatedly been updated as charged off every month.this is an update to in the payment history.a charged off account should not include active payment history.this inaccurate information falsely manipulates the statue of limitations.you failed to investigate these accounts properly after ive asked XXXX  times and your neglect has violated my rights. I am demanding a deletion of the following accounts. ( XXXX  ) acount # XXXX ( XXXX  ) acount # XXXX ( XXXX  ) acount # ( XXXX XXXX XXXX  ) acount # ( XXXX  XXXX  ) account # XXXX ( XXXX XXXX ) account # XXXX needing you to help protect my federally protected rights.they are not investigating these inaccurate accounts.please delete them immediately.
Product: Debt collection

XX/XX/XXXX : Credit Card was closed for being seriously DLQ XX/XX/XXXX : I visited US Branch location and ended my banking relationship with US Bank, assured no future charges would go through. 
XX/XX/XXXX : A charge was made for XXXX XXXX : Attempts to collect a debt ( multiple times ) notified them of the issue and that I'd be submitting a CFPB compliant and to suppress any credit reporting and to correct any previous credit reporting.
Product: Debt collection

Complaint Description : None Validation This company continues to reach out to me to collect on a hospital bill that isn't mine. I've asked for VALIDATION of this debt which is a signed agreement or contract with signature and they have failed to do so. I'm asking that the company stops sending me bills and do not report this none VALIDATED debt to the credit bureaus. The 30-45 days are up and the company havent VALIDATED the debt which is a violation of my consumer right. I am and will seek legal assistance if Credence Resources Management continues to harass me without Validating the debt. A bill is not proper Validation theres no legal signatures between myself or the company.
Product: Credit reporting or other personal consumer reports

I applied for Chase Bank 's Freedom Unlimited credit card. Although I did not receive any feedback on my application, XXXX hard inquiries were made on the XXXX and XXXX of XX/XX/year> respectively, which negatively impacted my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX AK XXXX XXXX XXXX XXXX XXXX Balance : {$49000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$620.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX, Account # XXXX, XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX Account XXXX XXXX XXXX XXXX Account # XXXX, XXXX, XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report.

It is your duties to accurately report information in as of now you are not doing that and its impairing efficiency of the banking system.Both together and separately my consumer and privacy rights are being violated in accordance with 15 U.S.C.1681 ( a ) ( 4 ) and pursuant U.S.P.C. ( B ) ( C ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Original CFPB Complaint # XXXX Against XXXX XXXX XXXX XXXX In XXXX or XXXX we refinanced our XXXX XXXX XXXX XXXX XXXX. The original loan was with XXXX XXXX XXXX XXXX. We refinanced the loan with XXXX XXXX XXXX XXXX ( XXXX ) in XXXX Texas. XXXX called XXXX XXXX XXXX and received a payoff of the loan good till XX/XX/XXXX. XXXX issued a check in the full amount provided by XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX did not submit the check from XXXX until XX/XX/XXXX per XXXX records. XXXX XXXX XXXX began reporting late pays on both my wife 's and my credit reports for the difference between the payoff provided thru XX/XX/XXXX and when they deposited the payoff check on XX/XX/XXXX. These late pays continued through XXXX of XXXX. We only aware of this in accuracy the week of XX/XX/XXXX when working to make a major purchase. XXXX XXXX XXXX XXXX actions are unacceptable based on their internal processing of the check. We should not have been penalized/reported late on our credit reports. This has significantly damaged our credit rating to the point that we are now unable to obtain a loan on our pending purchase. We have attempted to resolve the matter with XXXX XXXX XXXX to no avail thus far. We continue to receive stall and deflect actions from them. We now at the point of losing our option on the purchase we were attempting. Based on information provided by XXXX, the payoff amount check was issued and mailed to XXXX XXXX XXXX 8 days prior to the payoff date provided of XX/XX/XXXX. XXXX XXXX XXXX  should not have reported to our credit reports due to their inability to process payments in a timely manner. 

The issue above was resolved with XXXX XXXX XXXX XXXX to correct all incorrect reporting from the furnisher ( XXXX XXXX XXXX XXXX ) in XXXX of this year. We received a letter from the Office of the President that outlined the steps they would take to correct the wrong reporting. ( Attached ) XXXX XXXX XXXX XXXX sent to all three Credit Reporting Agencies ( CRA ) TransUnion, XXXX, and XXXX the correct information to be updated and reported on our accounts. The CRA 's were to remove any and all derogatory comments related to the XXXX XXXX XXXX trades, payment history, payment status, all late payments, any reference to charge off and/or settlement. In addition we were refunded two checks from XXXX XXXX XXXX for the charges that were incorrectly billed to us in addition to the above. The CRA 's have only made a portion of the corrections to our accounts and left other incorrection information in place. If fact, some of the initial changes that they made, they have changed back to derogatory 30 days after the corrections were made. This has caused my credit score to drop 47 points as of XXXX.
Product: Checking or savings account

I filed a complaint against a vendor ( XXXX XXXX XXXX ) whom I have done business with in the past.. In the past, I paid them to file my tax return.. I had no reason to distrust this company at this time, because I paid for a service, and received the service.. This vendor also stated that they provided a credit repair service, in which the total service charge for what I needed was XXXX That is what this complaint is about.. 

On XX/XX/2023, I sent the first installment of XXXX The second installment, ( XX/XX/2023 ), I sent XXXX And on XX/XX/2023, I sent the last installment of XXXX These transactions were made with my CHIME DEBIT CARD via XXXX 

On or around XX/XX/2023, when I no longer received any correspondence or communication from XXXX XXXX XXXX, I filed a complaint with XXXX and with Chime, stating that I was a victim of fraud, by XXXX XXXX XXXX I paid for a service, and this time I never heard from them again! I was told by both entities that an investigation would ensue.. On XX/XX/2023, I spoke with a rep from XXXX, who informed me that they had sent the money back to my Chime Debit Card.. I asked the rep to send me an email stating this.. They sent it, and I have it.. In turn, I reached out to Chime asking them where was my money, and how XXXX provided an email to me stating they sent the {$1200.00} back to my card.. Their response was they would do an investigation, and while the investigation was being done, I would receive a temporary credit to my debit card while the investigation was going on.. I was told the investigation could take up to XXXX  days.. The next day or so, I received an email or notification in the Chime app that the investigation was completed and my claim was denied for " no error found '' .. No money had ever been credited back to my Chime debit card.. I filed at least XXXX to XXXX or more rebuttals for my claim to be reopened with Chime.. I provided a police report, the vendor 's contact information ( including phone number ( s ) and email address ), links to their social media pages where they are displaying their business services, screenshots of texts between me and the vendor making arrangements for the services I paid for, screenshots of the vendor 's XXXX XXXX XXXX page.. The only response I ever received from Chime was " no error found ''! Each rebuttal I filed, was shut down by the next day, showing me that they had no care in the world to do an " investigation ''!
Product: Checking or savings account

I hold a checking account with Ally Bank. On XX/XX/24, I discovered XXXX fraudulent transactions ( ranging in value from {$1.00} to {$120.00} ) that had been charged between XX/XX/24 and XX/XX/24. Each transaction was listed as XXXX XXXX with XXXX of XXXX different names : XXXX XXXX  XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX  XXXX XXXX. To be sure - I am not familiar with any of these names, and my use of XXXX XXXX is rather minimal - once per month at most to send money to my parents. 

I immediately notified Ally Bank on XX/XX/24 and opened a claim for each of the XXXX fraudulent transactions. I then checked my XXXX XXXX account and noticed that none of these charges were listed under my transaction history, so I reached out to XXXX XXXX for further information. The representatives at XXXX XXXX refused to discuss the matter, as the fraudulent charges did not appear to be directly associated with my personal account. In all likelihood, someone created a new XXXX XXXX account with my banking information. 

Within 2 days, Ally Bank issued credits for only XXXX of the charges- all of which were below {$30.00} ( totaling about {$200.00} ). The remaining XXXX charges - all of which were above {$50.00} each - were not refunded ( that is roughly {$800.00} unaccounted for ). After having waited for further information from Ally, I finally received a decision letter for each of the claims that read : " The above disputed transaction was processed through a third-party payment processor, XXXX XXXX ( XXXX XXXX XXXX XXXX Based on your transaction history, it appears you have an established relationship with the third party service provider. You XXXX be required to resolve the dispute directly with the third party. To avoid a potential negative impact on your relationship with XXXX XXXX XXXX XXXX, please contact them to confirm whether the transaction processed through your account there as they may have their own dispute process ''. 

As mentioned, despite my banking information being used fraudulently on their platform, XXXX XXXX refuses to work with me, as the charges are not associated with my personal account. What's more, Ally can not explain why they set the precedent of refunding some of my charges while refusing to credit others ( all from the same vendor ). As of today, XX/XX/24 - over a month since the initial claim was originated- Ally Bank says that the investigation is still pending, and that they will not credit my account unless they can recover the funds from XXXX XXXX. According to Ally, XXXX XXXX has not responded to their requests during the investigation. Worse yet- the representative at Ally Bank said it was possible that I will never have my money recovered. 

In all, I have been waiting for over a month to recover nearly {$800.00} in fraudulent charges, and neither Ally Bank nor XXXX XXXX will provide me with information regarding the status of the investigation. I was encouraged to file a complaint with CFPB, and hope that it will generate a response from either company.
Product: Credit card or prepaid card

I applied, and was approved, for a Citibank , N.A . credit card in XX/XX/2023 for the sole reason of the balance transfer promotion attached to the Citi Simplicity card. The documentation received with the card ( card ending in XXXX ), dated XX/XX/2023, advised my limit was {$3300.00} and the balance transfer option was " 0 % introductory APR for 21 months from the date of first transfer when transfers are completed by XX/XX/2023. '' On XX/XX/2023, I accessed my online account to submit the balance transfer request and the balance transfer promotion was no longer showing. I spent an hour on the phone on this date & the representative located the offer and advised the offer would reflect online by XX/XX/2023. I accessed my online account on XX/XX/2023 and noticed the offer was not there. I began an online chat with a representative who advised she could not locate the offer and advised I apply for a card that has that offer. I feel I was a victim of " click bait ''. Citi responded on XX/XX/2023 advising they will honor the offer. I have since made 3 phone calls, XX/XX/2023 # XXXX, XX/XX/2023 XXXX and XX/XX/2023 leaving a message for a return call as I was advised on XX/XX/2023 that I would receive a call from XXXX within 48hrs to process the bonus offer. They advised on XX/XX/2023 that the cases on XX/XX/2023 and XX/XX/2023 were closed and needed to be reopened. They have yet to process the bonus transfer offer that expires XX/XX/2023. I believe they are delaying this process on purpose.
Product: Credit card

Cash advance charges for what amount they can't tell me, still paying for those charges from 2017, never made cash advance over {$100.00} before I want some of my charges refunded and stop
Product: Credit reporting or other personal consumer reports

I am very concerned because my credit report is showing discrepancies. I am a very concerned consumer and want only true information list on my report and accounts that belong to me. Collections were not validated per law. All collections are listed as open and past due. Require the method used to verify these debts belong to me. A signed Purchase agreement from each company, not billing statements. Please remove this inaccurate information as this is a clear violation.
Product: Bank account or service

I had problems with my account awile back which I complained to " higher ups ''. Not exactly sure who they were. Seems as though nothing happened. The Bank allowed a third party, whom I do not know, and I believe I had password protection, did not help, to say bills I paid were not legitimate ( not quite sure what they said, just my guess ) because all of a sudden I had this balance in my account. The folks doing this were alleged " loan officers '' from whatever name they used. I was not happy. Called the bank first to have these transactions reversed immediately. I like to try and pay my bills. I argued at length with the phone reps telling them I was not the one who called in making these claims. I was sure they kept records of there calls, asked them to research. Finally I went to the branch I usually use. Spoke To XXXX, president, he too shook his head no when I began to explain that a third party did what they did. Got more frustrated. Mentioned I 'd already called the bank and so forth. Then he begins to lecture me on things he 'd previously told me. I had not made the same mistake. And why was my account even open to them when I had password protection? For some unknown reason they stopped asking what my password was. I had noted that when I called because the person answering the call did not ask me, nor the next person. 
So at some point, and days later, I submitted an email to XXXX hoping he 'd READ it and understand. He has a one track mind, he simply said I am messing up. No I was not. So I sent back an email saying I 'd chalk it up as him being a man. Later I received an email from the woman who opened my account not to send 'harassing ' emails to XXXX , and not to send them to her either, or they would report me to their whomever and discontinue my account. Followed by how nice they been with me. Well, hell, it was their error I had better receive those fee credits!! they were so nice to give me. Later XXXX writes or calls telling me because my payment did not go through I must pay cash or money orders. Again went back to the bank, asking them to send a letter to optimum this was NOT my fault so my being able to pay by debit card would be reinstated. I tried on about XXXX separate occasions. Said they did finally. Unfortunately that was not the truth. I have stayed with the bank, but I never walk in there again. I have no desire to see these people. Not for any other reason than I am angry and hurt. They were way off base. 
I have kept the emails, which I offered to submit to the bank. They refused them. 
I HATE BOA as a result.
Product: Debt collection

This company would not tell me what it was about when I asked the repeatedly what company they where what the person 's name was the caller was trying to get information from me with out letting g me k ow who and what company they are I advise I will not let you know who I am until you tell mr what it is about and what company it is agent was very rude and immediately hung up the phone