23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Issue Unable to get my credit report or credit score : Problem getting my report or credit score Describe what happened so we can understand the issue ... 
When I went to the Free Annual Credit Report website and provided my information " TWICE '' it got to the downloading report message and just stayed there. Nothing was ever down loaded or shown on the screen. I attempted to contact the company but they have noting but a phone look and no way to talk to anyone to resolve the problem. I am afraid my information is out in cyber space somewhere for others to see and I am afraid my credit score has been negatively affected by trying to access my report twice. I believe there is some false information on my report and that is why I was trying to access it along with we are looking to buy a home and wanted the information for that purpose. A phone number is needed for customer service so people can contact and speak with a human to resolve a problem. I even tried obtaining a phone number from the Consumer Financial Protection Bureau to get a phone number for customer service from the Free annual credit report and they did n't have any other than what I had.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX  XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX   XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

I cash a loan check that I received in the mail. I lost my job & did not make a payment on the loan. My daughter deposited her federal income tax & state tax check into my account. The finance company from which the check was from won a garnishment on my account & withdrawl the money from my account which was my daughter 's money. What r her rights?
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX Receivable Solutions XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Account # XXXX I dispute the {$220.00} that has been turned over to you for collection from XXXX Hospital XXXX and all past bills turned in to you for collection. I have been consistently been harassed by phone calls and rude unreasonable people regarding this matter. 


Your letter dated XX/XX/XXXX does not indicate what these charges are for by item. I have no record of any rejection by my health insurance company, ( XXXX XXXX XXXX XXXX XXXX ( XXXX ) : XXXX ). 

Please provide me with the following documents : 1. Proof of submission to my health insurance company. 

2. Proof of my health insurance denial of coverage of this and all past items submitted to you for collection from XXXX Hospital XXXX. 

3. Itemized explanations of all claimed past and current bills turned in to you for collection. 





Thank you, XXXX XXXX XXXX The above is a copy of a certified letter sent to Receivable Solutions. They have not responded with any of the information I have requested. The protest and request were made within the legally allowed time to avoid having this placed into collection. They did not provide the information as legally required and placed this into collection which I have been informed is illegal!
Product: Credit card

I regularly monitor my credit report and noticed a recent unauthorized inquiry from chase using my personal information. I immediately got in contact with chase bank only to find out it was initiated using my personal info. It occurred on the date of XX/XX/year>. I have contacted the credit bureaus immediately after chase and they couldn't help much.. Chase notified that they will investigate it and get back to me. It has now been 6 months without any follow up/ update on this matter. I respectfully request that you guys investigate this incident and take appropriate action to address this identity theft and prevent misuse of my personal information.
Product: Payday loan, title loan, or personal loan

I had made monthly payments on time every month, which was around {$800.00}, or more a month, which only lowered my payments by {$7.00}. 
After I had lost my job, I called and let them know. My payoff at the time was around {$2000.00}. Now after around 2 month, and me giving them a little here and there where I scrouged up very little cash they hit my bank account for {$410.00}. Without my consent, which is completely an overdraft in my account since the money was never there. And they said my payoff which was originally {$2000.00}. Is now almost {$7000.00} due to interest and late fees. Within 2 months??
Product: Debt collection

I was contacted by Cordoza & Wexler Recovery Services on XX/XX/XXXX. They left a voicemail for my husband and me stating that they had a case under maiden name ( XXXX XXXX ) and SSN and needed to contact me in order to recoup money owed to a creditor, or the case would go to court. I called them back at XXXX. At the time they did not provide me with much information, other than a payday loan originating in XXXX that went unpaid in XXXX was now needing to be paid or go to court. I did not take out such a loan. I called them back on XX/XX/XXXX for more information and they sent me an email with the information stating that XXXX XXXX XXXX was the payday loan provider. They also provided me with an old XXXX checking account number, which has been one of my accounts. I called XXXX XXXX XXXX, and XXXX XXXX, both pay day loan providers they listed and they both confirmed that I do not and never had pay day loans with them and they confirmed that they did not turnover to Cordoza & Wexler for recovery services. I last spoke with a XXXX at Cordoza and she said that I could settle for {$190.00} before they sent over to court. The voicemail received on XXXX was from XXXX XXXX XXXX. The email I received with the " proof '' of the debt came from XXXX XXXX at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company XXXX XXXX XXXX and reporting a debt to my credit report. Below is the information pertaining to this account : Collection opened XX/XX/2021 Account number XXXX Balance {$1200.00}
Product: Money transfer, virtual currency, or money service

I was trying to purchase a XXXX XXXX dog from someone and the payment was sent through Cashapp, I was scammed out of my {$1000.00}. I guess they entered a fake name and email to set up the acct. I actually spoke to this person I was getting the dog from over the phone about the whole process of getting the dog. He asked for more money for shipping which was already in the price, I figured out it was a scam. So I reported it on Cashapp that day, then called them and they told me they couldn't do anything to recover my money or help my situation.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I filed against Chase Complaint # XXXX. Almost immediately, and multiple times since, I have been contacted by Chase by phone with a call that begins, " This is to inform you that you are on a recorded line. '' No permission is sought from me for this recorded phone call. On multiple occasions I have terminated the call and informed Chase I will not participate in coerced recorded phone calls. Yet today, XX/XX/2023, I received a call yet again from Chase. The call came from XXXX at XXXX XXXX Pacific Time. The caller identified herself as " XXXX. '' Once again the phone call started out with " This is to inform you that you are on a recorded line. '' While XXXX would concede, when pushed, with me pushing her because I wished to establish that I had informed Chase on multiple occasions that I would not participate in coerced recordings, that her records indicated Chase had contacted me before, she informed me that her records did not indicate either how many times Chase had contacted me or what had transpired in those phone calls. Interestingly, perhaps however, she was quick once the conversation went in this direction to state, " We will not contact you if that is what you wish? '' According to her of course, this entire phone conversation was captured by recording. I believe XXXX, and by extension Chase, lied to me about not knowing substantively about Chase 's previous phone calls to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately Chapter XXXX bankruptcy XXXX Please remove this bankruptcy from my Public record Chapter XXXX bankruptcy XXXX Please remove this bankruptcy from my Public record
Product: Debt collection

The company, Delta Management Associates, has contacted me three times regarding a debt that my mother owes. During both the first and second calls, I informed them to remove my name as a contact, and do not call me again. Today, I received a third call, and asked for the caller 's information in order to make a complaint. The caller 's name was XXXX XXXX.
Product: Debt collection

My rights have been violated in relation to an account on my credit report. 
PORTFOLIO RECOV ASSOC XXXX Have you heard of 15 U.S.C Sec 1681 ( a ), if you can not provide proof this account is 100 % accurate then this account must be deleted. Please provide me with the original contract that I signed with my wet signature if you can not then It must be deleted from my credit report. I dont believe the information on the account is 100 % correct and needs to be deleted. 

15 U.S.C 1681 Section 602 A - I have a right to privacy.

15 U.S.C 1681 Section 602 A Section 2 - A consumer reporting agency can not furnish an account without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a bank of america credit card opened since XX/XX/XXXX with a perfect payment history - never even a 30 day late. Then suddenly in XX/XX/XXXX, right when I lost my job during / related to COVID, they unsympathetically shut down my card and terminated our 7 years ' long relationship. 

Given the circumstances of COVID and job loss in XX/XX/XXXX, I explained to Bank of America that I was experiencing hardship, and the fact they terminated my relationship and closed my good standing account, I needed to allocate funds where necessary for survival. 

I was advised by customer service that I would not be further punished with adverse credit reporting. 

This proved to be untrue, and B of A ruthlessly brutalized my credit with negative reporting during which period I thought was in hardship agreement and that some grace was to be extended. 

Given my perfect history from XX/XX/XXXX to XX/XX/XXXX, I would expect some compassion from B of A to see this was obviously circumstantial and not a pattern of my character ( again, just look at my history - it's clearly covid related ). 

Now my credit is so far worse I'm barely able to obtain new housing and B of A has only stepped on my neck and put my face in the mud - disgraceful corporate behavior, especially for an organization that received plenty of taxpayer dollars to help their own balance sheet. 

I just want a reasonable opportunity to get back on my feet and financially normalized, but it's increasingly difficult to do with this type of reckless, dismissive, and insensitive corporate behavior. 

Either they can fix the matter and meet the hardship terms their customer service reps so confusingly promised me, or return all taxpayer dollars for anything they were beneficiary to during covid. 

The individual customer matters not more than statistics with Bank of America it seems.
Product: Checking or savings account

On XXXX Chime ( aka XXXXXXXX XXXX ) abruptly closed my checking and savings account without my knowledge or consent. I can not access {$10000.00} currently in my account. I called them immediately asking why the account had been closed and asked if there was hacking or fraud. They told me it looked like it was closed due to a policy violation but would not tell me what policy or what was violated. They also said they could not actually tell why because the account was closed. They refused to let me speak to anyone who could help and insisted I submit copious amounts of documentation before they would look into it. I have submitted and resubmitted yesterday and today ( drivers license, both sides; signed social security card ; zoomed in selfie holding drivers license with a paper that includes my name and the date ; a written explanation of the most recent transfer ; bank statements from the account I transferred ; pdfs of the transfer from the sending bank ) and have gotten no response as to the status or when my account will be reinstated. I have sent multiple follow ups and keep getting the same form letter response from a different person asking me to submit what I have already submitted. I feel as though they are stonewalling me to hold onto my money. They do not care for their customers or the stress and anxiety caused with their lack of response, action, support, or caring. They are currently stealing my money. I need help getting access to my account so that I can transfer my funds immediately out to a bank that will not steal your money, and then I will close the Chime account on my own accord as they can not be trusted and do not have their customers best interests as a priority.
Product: Credit reporting, credit repair services, or other personal consumer reports

I setup automatic payments ( of $ XXXX/month ) for my Bank of America account for the year of 2019. The automatic payments were processed by Bank of America until the end of XXXX. I found out that they did not process my scheduled automatic payments for the months of XXXX. I accrued late fees ( of {$39.00} ) for each month ( 4 late-fees total ; one for each month ). These late fees impacted my credit score negatively. I talked to Bank of America and their representative said they couldn't do anything to resolve my credit score.
Product: Credit card

In XXXX XXXX a California merchant, a XXXX, auto-renewed a subscription I purchased in XXXX without providing a working mechanism by which I could opt out of the auto-renewal. The only mechanism on their online site required me to cancel the current ( XXXX ) subscription before its full term, forfeiting any unused portion. Since I paid for a full subscription, I refused to accept this requirement. Instead, I purposely withheld my Discover Card 's ( DC ) expiration date from the merchant, expecting a credit card transaction lacking a valid expiration date would be rejected by DC. Instead, DC approved the charge without up-to-date account information. 
I disputed the charge via a written claim sent under the Fair Credit Billing Act -- XXXX pages long, with online screen images of the merchant 's site, the merchant 's posted policies, excerpts from the XXXX Auto-Renew Law and Restore Online Shoppers ' Confidence Act of XXXX ( ROSCA. ) I documented the merchant 's missing opt-out mechanism, invalid initial purchase terms ( customers wanting to opt-out of auto-renew could never receive a subscription matching the term they paid for ), and my refusal to take delivery of the auto-renewal ( I cancelled it immediately ). I also showed that the renewal price was twice the original subscription rate, even though the merchant posted terms saying renewal pricing could change ). DC completely ignored everything I submitted to them. They said my claim was " incomplete and/or ambiguous ''. And they ruled in favor of the merchant, overlooking its fraudulent practices -- delivering shorter subscriptions than advertised DC, meaning that customers could not possibly give the " express informed consent '' required by ROSCA. And the merchant 's violation of California law by failing to provide " clear and conspicuous '' and " working '' opt-out mechanisms. DC did no independent investigation of this matter as their corporate Internet prohibited access to the merchant 's website. And they were completely disinterested in ROSCA and the California Auto-Renew Law. Their only investigative act was reading the merchant 's statement and finding it completely valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Kohls Department reported I had not paid a {$2.00} charge that was over 30 days old. I have not used this card. I had previously been on my mothers account for this card however I have not been an active user for several years and she called as the primary account holder to pay the charge and remove me from the account. I have called we well however it still comes up on my credit report that I owe {$2.00}.
Product: Credit card

JPMorgan Chase pulled a credit inquiry for an application to a credit card that I did not request on XX/XX/2023. I called them and told them that it was not me who applied for a credit card. They said they would cancel it and suggested some steps to take along with a packet they are sending me. I froze all inquiries to the 3 major credit bureau companies and put on fraud alerts.
Product: Credit card or prepaid card

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached information it has my full complaint and proof and evidence that I have been discrinimated against.
Product: Debt collection

this is not my account I have no obligation to pay this debt I sent a debt validation request to the debt collector called National Credit Adjuster on XX/XX/2021 to validate the debt.they received it on XX/XX/2021 certified mail see attached so you have 30 days to respond me since you received it by law you must to respond me, under the FDCPA and FCRA you are in violation so since you failed to respond me that means you couldnt validate and you couldnt prove that I have any obligation to pay this debt so you must cease any future communication with me and cease all collection effort and remove this negative item from my credit report immediately you have caused damage to my credit score
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX XXXX  ACCOUNT NAME : 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 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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX and Transunion will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX