23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

First of its being written off as loan when i XXXX original creditor its said it was a gas company and second of it saying the debt is from around XXXX XXXX but a missed XX/XX/XXXX and its just been flagged on my file as of XX/XX/XXXX so for the last time this isnt mine amongst other debts listed on my file ive been disputing over and over with the same results i havr never had utility with such company nor are they providing debt validation the reason is the same over and over once ive attemped to fix my and the person ive updated my info with is credit bearue and now these collection company are pulling my file without my permission and being contacted about debts that are not mine being flagged for collection thats not compromising my credit score without no valid proof any of it being mine HELP!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My address is XXXX XXXX XXXX, XXXX, FL XXXX. I have had the same address sinceXX/XX/2004, that is, FOURTEEN YEARS. Experian continues to put the wrong address on my credit report. 
I have filed three complaints with this company asking them to correct my address. The Experian company has instructed me to send a copy of my driver 's license and utility bill, which I have done, three times. The address remains incorrect. 
I have never ever lived at any of the three addresses that Experian is listing on my credit report. 
This incorrect information is continuing to cause me problems. 
Please get Experian to purge the three incorrect addresses once and for all and to put in my correct address. Experian already has three copies of my driver 's license, from the three previous times when I  have tried to get this corrected.
Product: Debt collection

The amount is {$2600.00} I have not sign a document acknowledging this debt nor do I have any idea of where this came from I would lithe the original wet copy contract signed saying that I owe this debt Im getting harassed phone call from this debt collector
Product: Credit card or prepaid card

I tried to apply for a credit card with Navy Federal and was told I have a credit card under my social security number with a different name ( XXXX XXXX ).
Product: Credit reporting or other personal consumer reports

To whom it may concern Im reaching out to you to get some type of resolution for my XXXX XXXX by XXXX XXXX. I have been dealing with this issue for over 2 years and I hope you can assist. During the XXXX pandemic I received notification from several credit card companies including XXXX XXXX XXXX assist users affected by the crisis and how they were there to assist. I had the card for a year or so with on time payment history. I reached out to XXXX XXXX around XX/XX/XXXX to obtain assistance from the said company above. I explained to them that I was not able to make my monthly payment that month due to reduction of hours and wanted to be placed on the program that will prevent me from going 30 days past due. My credit is one of my top priorities, so I wanted to be proactive with this beforehand. I spoke with a representative who advised they could assist and to make sure I dont go into delinquency. To my surprise I get an alert that my credit scored dropped. When I checked the alert, it was due to a miss payment from XXXX XXXX. I immediately called XXXX XXXX to explain to them that I was placed on a program for customers effected by covid. I was told that they would need to find and listen to the phone call and would be contacted under pending investigation. A few months later at the end of XXXX I was told they would refund the interest and that credit reporting would be updated with all 3 bureaus. Since XXXX this has not been done and it still shows a late payment for both XXXX and XX/XX/XXXX. I have called into XXXX XXXX several times the last two years to get this resolved and Ive been getting the run around every single time. I asked them where the recording is so you can hear the discussion and was told its only for internal used. I have called several times to explain whats been going on and Ive been hung up on, kept on hold, or being told to dispute it with the credit agencies. I explained to them to look at my payment history and that I never missed a payment until the rep gave told me which I now found out was the wrong information. 
Ive tried to speak with the XXXX XXXX  department and financial services regarding this matter. The representative gave me incorrect information that negatively impacted my credit. This is negligent and unfair as a consumer and the consequence is my credit history being dropped due to this. I asked a supervisor what happens if the rep gives out wrong information to a consumer that could damage their credit and was told it was nothing, they can do about that. Im reaching out in hopes that you can assist with me getting the incorrect information removed. 

Thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified the credit reporting companies that the information on my report was inaccurate and asked them to correct it. However, over 1 year later and only one credit reporting agency removed the accounts from my report. The accounts are collections accounts and they are not mine. I have asked the company to provide proof of ownership put they can only provide me with a statement from another company, which is not them. I do not owe the debt, pursuant to 18 USC 8. This company is violating my consumer right to privacy, 15 USC 1682. 1b.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact Experian to delete inaccurate information off of my credit report and i have been unsuccessful. The information is incorrect including two names that are wrong but include the last name from a prior marriage that never legally changed with the IRS. Two incorrect addresses and three incorrect names that are not me.
Product: Student loan

I am just a cosigner on the loan. The amount changes every time they ( Navient ) call. They are telling me that I am so behind in payment when I just recently paid last month in XXXX and XXXX. Navient is saying that I owe double the amount. Navient is saying that I am two months behind, but I am not since I paid the amount that was due in XXXX and XXXX. The man I talked to had just threaten to apply against my credit. I am very displease with Navient. They are mistreating loan borrowers. I am unsure of what I owe them. The amount changes every time they call.
Product: Credit reporting or other personal consumer reports

Back in XXXX of XXXX, I provided Equifax with multiple documents to show and prove identity theft in my name because Equifax was reporting fraudulent information on my credit profile. Equifax did in fact remove the fraudulent accounts back in XXXX of XXXX. However, Equifax is failing to comply with consumer law and they are reinstating one of the fraudulent accounts under the name of XXXX XXXX XXXX. This account should have been permanently blocked, I have disputed this account twice in XXXX and Equifax is refusing to remove it, even though it never should have been added again! 
Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days Also, Equifax is in direct violation of 15 U.S. Code 1681ni ( B ) ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 
Lastly, Equifax is also in direct violation of 15 U.S. Code 1681ni ( B ) ( ii ) Notice to consumer-If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I have made complaints with the Federal Trade Commission and the XXXX XXXX XXXX in addition to this complaint, all in an effort to gain a resolution to this ongoing issue that is affecting my life terribly.
Product: Mortgage

On XXXX  XX/XX/2023 by way of recorded conversation I was informed by a Wells Fargo Preservation Representative that XXXX XXXX was wrong for putting my residence on the Sheriffs Sale list on XX/XX/2023. However Wells Fargo is refusing to contact them to confirm this issue. Despite them yet claiming that my residence is no longer in Foreclosure. Then I receives an email from Wells Fargo claiming that theres an issue with the Title. Well prior to getting the first month Trial Payment they knew there was an issue with the title. Concerning my step father XXXX XXXX committing fraud with forgery on the note.
Product: Credit card or prepaid card

Discover Credit Cards place exorbitant holds on purchases at their pumps. A hold of {$170.00} was placed on my card for a {$25.00} gasoline purchase at the pump.
Product: Credit card

My credit card is from Chase ( XXXX XXXX ). 

My minimum payment due for my statement XX/XX/XXXX - XX/XX/XXXX is {$200.00} with a due date of XX/XX/XXXX. I availed of the promotion for the following : ( XXXX ) Annual Percentage Rate ( APR ) 0.00 %, Expiration date XX/XX/XXXX, Amount is {$8400.00} ( XXXX ) Annual Percentage Rate ( APR ) 1.99 %, Expiration date XX/XX/XXXX, Amount is {$10000.00} On XX/XX/XXXX I paid {$7000.00} and on XX/XX/XXXX I paid {$1400.00} totaling to {$8400.00} with the intention to pay off my promotional balance expiring on XX/XX/XXXX. 

When I received my statement for XX/XX/XXXX - XX/XX/XXXX, they allocated my payment to promotion ( XXXX ) because it has a higher interest than promotion ( XXXX ). Because of this allocation promotion ( XXXX ) expired and they are now charging me interest of 21.24 % and the balance now is {$8400.00}. 

I called the company and relayed my frustration and I was told that is their guidelines in applying the payments. It is very disappointing to get a reply like this if they are concerned with their clients interests. I paid my dues on time making sure to avoid higher interest in my balance. My request is to allocate the payment I made in XXXX  to the balance expiring XX/XX/XXXX.
Product: Credit card or prepaid card

Bank of America is not honoring all the terms of my offer, specifically a {$100.00} statement credit. All terms and conditions have been met, yet the {$100.00} statement credit has not posted and representatives over the phone refused to assist me.
Product: Debt collection

I requested debt validation of this debt XX/XX/XXXX. As of XX/XX/XXXX, i still have no received the validation from ccs companies. The debt is still being reporting to my credit reports and ccs is still actively trying to collect on the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX  Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 conviction of crimes which antedates the report of 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 a reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I did request a prove of the charges and I did receive the information about another person with different address. The envelope has my name and address but inside 10 pages of bank statements, names, addresses, everything about XXXX .... 
If I receive the information about this person, who has my? 
Please help me with this Identity Theft Collection Company. 
I like to their name to be published to everyone has account with this company to check if did not give your personal information to others. 

ALLIED INTERNATIONAL CREDIT CORP XXXX - AZ - XXXX PHONE - XXXX
Product: Debt collection

This is a account that is not mine. Your company is the second company to place this account on my credit report. I currently have an account with the company you represent and if this was obtained in the past it would be due to fraud because I have and always have had an good standing account with the company you represent. Please remove this egregious account from all three credit bureaus immediately or I will be forced to file legal action against your company.
Product: Vehicle loan or lease

In XX/XX/XXXX, I emailed GM Financials support email several weeks before my payment due date of XX/XX/XXXX to request that my Auto Pay authorization be revoked. 4 days before the due date, I logged on to check my account amd my auto pay stilled showed as active, so I called in to check on it and revoke authorization. I was told that they would put in a rush request, but they could not guarantee it would get processed in time because now we were too close to the due date, but that at the latest, it would be processed for the following month ( XX/XX/XXXX ). Unfortunately, my XX/XX/XXXX payment processed and caused a lot of havoc with my bank account and other payments that were due. I called in again and was assured that my revocation would be in place for XX/XX/XXXX. This morning I woke To a notification from my bank that GM financial had processed my XX/XX/XXXX payment. Again, this wreaked havoc on my bank account and other payments that were due. I have called in again and have again been assured that it would be canceled for XX/XX/XXXX, and while I requested restitution for bank fees and other financial impact caused by these auto drafts, none were offered. GM financial should be penalized for twice auto drafting from my account without authorization.
Product: Checking or savings account

Two weeks ago, I've fallen victim to a scam involving bounced checks. My Truist bank froze the account to investigate, and they never emailed or called me regarding any updates. I have to call them every morning asking for updates on my account, but they just tell me over and over to " call back the next day for an update. '' I understand they want to lock the account to keep it safe during the investigation but now they've called me a notice that my checking account, with a negative balance of - {$3000.00} has an overdraft fee that must be paid by a deadline. I am willing to pay it off just to be over with it, but How am I suppose to pay off the debt if they're literally not letting me do it? They locked my other account that has money in it.
Product: Checking or savings account

I made a mobile deposit of a check on Friday XX/XX/XXXX and it is now Monday XX/XX/XXXX and I still do not have access to my money. I have called 3 times and have gotten 3 different answers. First they said the XXXX, then the XXXX, now the XXXX! This is not my 1st deposit from this company and my check is less than {$500.00} so I don't know why it is being held up. They have just ruined my son 's XXXX. It is the only money I had until 2 weeks from now. He has no food. No diapers. Thank you CITIBANK. Nothing can rectify this situation. I am extremely disappointed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a complaint against Equifax, due to the fact that when I went to annualreport.com to request my consumer report and they denied me access to the information they have stored on me. The message that I subsequently received was that I needed to contact them. I filed complaint # : XXXX, in which I requested that my consumer " File ''. Keep in mind, I specified that I wanted my File, not that standard report they send to consumers all the time but my actual File. I think they intentionally did not upload the files in their response because they never intended on sending me what I clearly requested. Several weeks after I filed the complaint, received a basic consumer report via the postal service. On XX/XX/XXXX, I sent them a letter ( see attached ) explaining exactly what I wanted and the laws to support my request. As of date, I have not received a response. Therefore, I am submitting another complaint, seeking assistance in retrieving my File from Equifax. I want to see and know all the information that Equifax has stored on me. I know there is statutorily a difference between a consumer report and the consumer 's File. And I am requesting my FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute an account on my credit report that was reported by BANK OF AMERICA on XX/XX/2019. The ownership reason for this dispute is that I have no knowledge of this account. 
Upon reviewing my credit report, I noticed that there is an account that I am not familiar with, and I have never opened or used any services from BANK OF AMERICA. Therefore
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX : {$590.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$140.00} - This account Belongs to someone else. This is not my account. Provide me specific datas to prove that it belongs to me or remove it accordingly. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$340.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$120.00} - Account is reporting inconsistencies and inaccuracies. Open Dates are showing different dates at each bureau. 
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$160.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX Balance : {$790.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX XXXX Balance : {$900.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed.
Product: Money transfer, virtual currency, or money service

I've tried to close my account with venmo.com they refused saying my account is frozen. They also emailed me saying that I am required to send a picture of my ID and a picture of myself holding my ID in order to proceed with unfreezing my account. I don't want the account at all I just want it deleted.
Product: Checking or savings account

On XX/XX/XXXX I filed a dispute for a returned phone to T Mobile for {$71.00}, on XX/XX/XXXX, I filed two disputes for {$21.00} and {$27.00} ( XXXX XXXX and XXXX  ) for a trip that did not happen COVID 19 issue. I can not get any assistance from PNC Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my identity, but instead of committing actual fraud they just reported me dead. I can't do anything. My car got repossessed and my landlord kicked me out over this, because the system thinks I'm DEAD or trying to steal someone's identity. I've sent in copies of my birth certificate, license, and SSC. Sent in a letter from my local social security office to all 3 bureaus. it's been months. nothing is working. I've spent thousands on hotel rooms and ubers to have somewhere to live and a way to get to work. this is insane. I've been told there's an official death certificate but they refuse to tell me anything about it. as far as I know I have a pulse and pay taxes so I'd like to have a place to live. PLEASE help me.
Product: Money transfer, virtual currency, or money service

I am currently dealing with a dispute with Chime who works with XXXX. The way Chime has dealt with my dispute has been completely unprofessional. I originally put in the dispute XX/XX/year>, that Chime agent that I had talked to originally put a dispute in as paid for by other means, which was incorrect. My dispute was denied, and I had to re-open in case and put the correct information of an authorized transaction. I am currently on my third rebuttal, because Chime has not reached out to the merchant about the situation or charge back I am holding Chime and XXXX  XXXX accountable for my missing funds, and not being a credited to my account. Chime is saying that I have to wait over 25 days for my provisional credit to be put in my account. On XX/XX/XXXX, I put an On XX/XX/XXXX, I put in my third rebuttal, currently an investigation right now Chime is telling me that I will be eligible for professional credit on XXXX XXXX that is 25 days without my allocated funds. Almost a whole month without my own funds and money, According to Regulation E, or the Electronic Fund Transfer Act, requires banks to investigate disputes promptly and issue provisional credit if they can't resolve them within 10 business days. The bank must notify the consumer of the provisional credit within two business days, including the date and amount, and that the consumer can use the funds until the bank determines if an error occurred. It is now XX/XX/XXXX and Chime has yet to provide me my provisional credit regarding my case. Or even investigate. I am demanding my provisional credit by XXXX XXXX no later, or I am forced to seek legal action against Chime and XXXX