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

My credit report indicates I have [ 22 ] accounts that are negatively impacting my credit score and immediately preventing me from obtaining a mortgage and credit. Each of the three credit bureaus is incorrectly reporting credit information deleterious to me for which damages may be sought. [ 11 ] OPEN ACCOUNTS have reported a current account of which, ALLY FINANCIAL XXXX is incorrectly reported. XXXX/XXXX  XXXX is incorrectly reported. XXXX XXXX  XXXX is incorrectly reported. XXXX XXXX XXXX XXXX XXXX is incorrectly reported. XXXX XXXX XXXX XXXX  XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX XXXX  XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX XXXX  XXXX is a double reporting tow separate balances, {$4200.00} and {$2700.00} and is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX XXXX  XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. The credit reporting agency is reporting the following unauthorized inquiries. XXXX  XXXX XXXX, Unauthorized and demand strict proof. XXXX  XXXX XXXX  Unauthorized and demand strict proof. XXXX XXXX XXXX  Unauthorized and demand strict proof. XXXX XXXX XXXX Unauthorized and demand strict proof. XXXX Unauthorized and demand strict proof. XXXX Unauthorized and demand strict proof. The credit reporting agency is reporting the following incorrect PERSONAL INFO. XXXX XXXX XXXX. I have never applied for credit or ever been known by this name. I demand strict proof this was reported to the credit reporting agency. PERSONAL STATEMENT. The credit reporting agency will not update my personal statement with relevant and current information. I have asked that all prior personal statements be removed to avoid confusion. REMOVE THE CREDIT FREEZE ON MY ACCOUNT FROM XX/XX/2020 to XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

IRS form 1099C requires box 2 and box 3 be filled as applicable. If any interest is included in the amount of cancelled debt in box 2, it must be shown in box 3. I request 1099 C be completed and filed with IRS to reflect these amounts for box 2 and box 3. 

I have received a notification from the IRS that does not show the forms filed with IRS reflect these amounts. IRS responded that Chase submitted records electronically and can not provide me with a copy of the forms Chase filed because it was submitted electronically to the IRS. IRS wrote to contact Chase directly with the request for the form to be sent to me. Chase declines.
Product: Credit card

I opened a credit card with First National Bank of Omaha, which is exclusively affiliated with XXXX to offer XXXX reward travel. This Credit card charges {$99.00} annual membership fee. During the year XXXX - XXXX, on several prolonged occasions, XXXX has stopped providing services between XXXX XXXX where I reside and the rest of the country. As a result of no service for many months I have been unable to utilize my rewards to book tickets for XXXX services as I had previously planned and for the days I had planned for. I requested First National Bank of Omaha, on several occasions, to refund the membership fee and to close my credit account as I am unable to utilize award program as advertised. First National Bank of Omaha has refused to refund the membership fee but closed the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

The mortgage late reported by XXXX XXXX in XX/XX/2021 for XXXX  days or more is incorrect. I was in forbearance plan in accordance with the federally mandated CARES ACT ( Coronavirus Aid, Relief and Economic Security Act ). My forbearance was set to expire XX/XX/2021, and I paid off the balance of the forbearance as well as the entire mortgage balance on XX/XX/2021. Per one of the representatives named XXXX at XXXX XXXX, he confirmed that when they received the payoff funds that they terminated my forbearance, which is the reason for the XXXX Day Delinquency on my credit report. The account should have had no late payments per the forbearance agreement and CARES ACT.
Product: Credit card or prepaid card

My XXXX  Wireless Service Was Erroneously Cancelled For Fraud XX/XX/XXXX By XXXX Per The National Verifier I Was Told To Call By A XXXX Representative To Get The Details About My ID Being Flagged As Fraudulent. The Agents aT The XXXX XXXX XXXX FTC Told Me To Request My {$60.00} Refund For Service Paid On XX/XX/XXXX Which Was Cancelled Less Than 48Hours Before My Service Was Unjustifiably Disconnected For Fraud : Acct. # XXXX XXXX I.D . XXXX XXXX  XXXX XXXX  Has Also Made Contact w/1 OF Their Live Agents Very Difficult Once My Service Was Unfairly Cancelled After Paying {$60.00} For Unlimited Service. 

CashApp Has Refused To Give Me A Refund After 3+ Requests Since XX/XX/XXXX & Sent A Transaction Report XX/XX/XXXX Attached As Their Justification For Not Issuing My Refund.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 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 identify theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION
Product: Checking or savings account

Received a " welcome '' email and link to " finish '' setting up my account. I did not request a Chime account. This happened previously ( a couple of years ago ) and I actually received the Chime card in the mail. My credit was frozen when that happened, so I don't know how an account could have been opened in my name when my credit is frozen. I called them and they wanted way too much identifying information to help me.
Product: Credit card or prepaid card

On XX/XX/XXXX I had a fraudulent charge in the amount of {$100000.00} on my credit card and the associated transaction fee of {$51.00} and interest charges of {$3.00}. I immediately contacted CitiCard, filed a dispute and cancelled that card. Citi sent me a new card. I never received a credit back on my next statement and so I contacted CitiCard and discovered the dispute never got filed. I then filed the dispute again and was assured it would be settled. I checked my online dispute page a week later at the Citi online site and it was not listed. I called again on XX/XX/XXXX and filed a 3rd time and gave them all of the information again. In the process I waited long periods on the telephone only to be disconnected when I asked for a supervisor. ( a rep by the name of XXXX was one of them that hung up on me. ) On the week of XX/XX/XXXX it still was not showing up in the dispute center but after a long wait, I was assured by a supervisor by the name of XXXX that it would be resolved shortly. She was the only person that was helpful throughout the process and spent a good amount of time calling the fraud department and called me back when they hung up on me. During this entire time I was never credited and have paid off the balance during the dispute and am carrying the interest charges. I have never seen a credit card company not issue you a temporary credit while the dispute is taking place but they have not done such after multiple requests. On XX/XX/XXXX, after waiting on the phone for 45 minutes I spoke with another representative as the dispute was not settled as promised the week before, but he gave me no firm information so I again asked for a supervisor. I tried to speak to a supervisor but XXXX informed me they were all too busy and would have to call me back. I have not received a call back. I would really like help resolving this matter as I have spent a ridiculous amount of time on what should be a relatively clear cut matter. I charge a tremendous amount on this credit card and have had very few disputes. I also have never had a cash advance via credit card. I would have liked to have resolved this directly with Citi but I have spent no less than 4 hours on the phone with this over a period of almost two months and still can't seem to get it resolved.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I receive a text from Chime to verify my debit card activity for a XXXX XXXX charge. The text stated if you recognize or authorize to reply. I replied with a no. Soon after got a call from a Chime agent stating I need to change my password and he needed to verify to close debit card and reissue new card. He sented me a text with a passcode to reset password. He told me my account would be locked for 24 hrs. And call back reset password. Monday, XX/XX/XXXX I went to my account to reset my password. I logged in and 5 transactions of XXXX were transfered out without my permission or knowledge. To an unkown email address. My account was totally wiped out. I called Chime immediately spoke rep who filled out a transaction dispute. Today XXXX I recieved email from them denying my claim .No reason gave. I resubmitted another claim and was told atleast 90 days. I file a police report with XXXX XXXX XXXXXXXX XXXX XXXX case number XXXX.
Product: Credit card

I have sent notice of a billing error to this company in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. No investigation has been opened. Please see the attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have file a police report for fraud on XXXX XXXX XXXX  this is not my account I have told the bureaus that is isnt mine and they have not done anything to this day. I have also file a dispute for XXXX XXXX it is to old to be on my report and they havent remove that either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my loan completely and they report 30 days late payments and we need this gone from my report the account is in 0 balance
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter requesting that you reinvestigate the disputed accounts from my credit report as well as update these accounts from my report during the investigation period. As of this date, you have failed to respond to my request. Here are the accounts that I wanted to fix. 
XXXX XXXX XXXX XXXX Balance : {$58000.00} XXXX XXXXXXXX XXXX Balance : {$440.00}
Product: Debt collection

Transworld Systems in the amount of XXXX ( XXXX XXXX ). I have reached out to them several times informing them that I have no debt with this company or original company. Transworld Systems have stated the debt was valid and that is untrue. The name on the account and personal information such as social and dates etc are not mine. It also was during Covid-19 and I'm not sure who or why my identity may have been compromised. Again, the names and personal information don't belong to me. I want this to be removed from my credit report. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

Commonwealth financial is continuing to harass consumers violating public law title X, 124 stat 2092 section 810 reporting multiple debts that is already reported on my credit from another creditor. Section 808 unfair practice by continuing to contact the consumer after the consumer informed this company that a creditor is already reporting the debt. Violating section 807 of the act by false misrepresenting themselves as the debt collector of a debt that is already reported to ones credit file and reporting false credit debt to credit bureaus as a means to harass consumers. Why isn't the ftc going after this company. This company has over 100 complaints with XXXX and ftc.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX I made a contribution to my XXXX  account. This contribution was initiated from my USAA checking account for the amount of {$220.00}. The money left my USAA checking account via transfer. The transfer confirmation number is XXXX. As of XX/XX/XXXX, the money is still not in my XXXX account, is withdrawn from my USAA checking account, and is missing. On XX/XX/XXXX, an XXXX representative stated there were no pending incoming transactions from my USAA checking account. She stated she would do some research and " try '' to call me back by the end of business that day. No call was received. She insinuated no transfer was made, or that I had made an error. That same day USAA opened a non merchant deposit dispute case to investigate the current status of these funds. They confirmed the XXXX  account number and confirmed that the transfer had been completed. The case ID is XXXX. On XX/XX/XXXX, I faxed a letter to XXXX  and to USAA detailing the events. On XX/XX/XXXX, USAA confirmed receipt of the fax. That same day I called XXXX again. " XXXX '' stated she would reach out to XXXX XXXX  and call me back in XXXX business hours. No call was received. On XX/XX/XXXX, I called XXXX a third time. " XXXX '' stated XXXX hadn't heard back from XXXX and didn't know when she would hear back because it was a " busy season ''. I asked XXXX to check to see if my fax had been added to my file. She placed me on an extended hold, came back, and said she'd look later and follow up via email. USAA representatives have confirmed the transfer was debited from my account on XX/XX/XXXX and transferred to the correct XXXX  account. XXXX  has not received my money and has not shown a sense of concern or urgency in resolving this matter. Your assistance is also requested in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( XXXX XXXX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Product: Credit reporting or other personal consumer reports

I disputed an acct on my credit report named XXXX. Transunion sent me a response of validation. So I sent Transunion a request for the information pertaining to their method and chain of communication. But I also sent XXXX  a letter of validation because they are reporting an account on me that I receive no correspondence for. The letter I sent to XXXX was returned to me undeliverable as addressed. How can that be? That's the address on my credit report for XXXX. How did Transunion verify an account that is reporting an address not valid? My complaint is against Transunion and XXXX for putting this on my credit report knowing its invalid therefore unverifiable. How am I supposed to request any information from XXXX  if I don't have a legit address?
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS AND INQUIRIES ARE INVOLVED IN LITIGATION AND DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. THESE ACCOUNTS ARE A RESULT OF FRAUD. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE IN THIS AFFIDAVIT REPORT, AND WAS TOLD THAT I NEEDED TO COMPLETE THIS AFFIDAVIT, ALONG WITH SUBMITTING MY PERSONAL IDENTIFICATION TO HAVE THE SUSPECTED FRAUDULENT ACCOUNTS INVESTIGATED AND REMOVED IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im contacted XXXX  XXXX XXXX XXXX. In regards to the report on my credit report, 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt, this company has contacted me several times via phone & mail another violation of my rights, this company has violated my rights, I do not owe this creditor listed any money,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my account possibly identity theft
Product: Checking or savings account

My account was closed by bank of America without any warnings or explanation. And money in my account wasn't fully refunded.
Product: Money transfer, virtual currency, or money service

On Sunday XX/XX/2020 I received a text message on my phone stating that I had sent a payment of {$2400.00} to a person by the name of XXXX XXXX which I do not know. I logged in to my PayPal account and saw the money transferred but then saw money received in my account also paid by XXXX XXXX but only for the amount of {$2200.00} ( XXXX ). The person who hacked my account changed my chase credit card to my XXXX XXXX Debit card to transfer himself the money and I do not know if the money he sent back to me is legitimate or fake money. I reported the fraudulent activity & unauthorized transaction to PayPal and opened a case but PayPal keeps stating that the fraud committed on my account was NOT unauthorized when in fact it was. Two strange credit cards ( XXXX & XXXX XXXX ) were also added to my account but PayPal refuses to help me with this serious fraud. This appears to be an inside job and for that reason I am filing a complaint with your agency so you can help me with this matter. I have also filed a complaint with my bank and they will perform their own investigation. PayPal is no longer of help and only denies and closes my case instead of reporting this fraud to the law enforcement for a more thorough investigation. If PayPal is NOT able to see any fraud or any unauthorized transactions in my account, that means either the person committing the fraud is an excellent hacker or is an employee of PayPal which mean this was an inside job. I have requested copies of the documents PayPal has used in determining the final outcome of their investigation but have not received anything. I am stressing out and really need the government to step in and get to the bottom of this fraud.

PayPal Case ID : XXXX and XXXX PayPal Email : XXXX PayPal, Inc Attn : Unauthorized Account Access Appeal P.O. XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, XXXX 's XXXX XXXX made a hard inquiry without my prior authorization. I contacted them to inquire about this and they said they were allowed by law when the account is being sent to an attorney for collections but I never received a letter of intent for these actions to proceed. I am very upset that this was done without my prior notification and authorization.
Product: Mortgage

Ocwen XXXX our mortgage payment without any notification. When we called to find out why, we got the run around. The only answer we got is that shortage in escrow caused the increase. There is no way a shortage in escrow could be an extra {$2000.00} each month. 
Our payments are automatically deducted and we have never missed or been late on a payment. 
They just keep saying that someone will get back to us, which still has n't happened. 
We have been paying the exact same amount for the last two years, then all of a sudden it doubles. They have our money and will not refund it. What now?
Product: Credit card

Capital One offers a unique program to their customers through their website where a customer can combine XXXX credit cards. The minimum criteria are listed on the web site, with no other terms or conditions about the program available. XXXX of my Capital One credit cards meet this listed criteria. The website tells me I 'm still not eligible. I called capital one and spoke to a supervisor. I was informed that it was a back end decision, and although my cards meet the criteria listed on the website, their system has said I am not eligible. When I asked why, they informed me that even they did not know, and there was no way to find out. 

So on the one hand, I have met all of the criteria made publicly available to consumers. On the other hand, Capital One is saying I have not met the right criteria, and can not tell me why. 

I fully understand if there is criteria I have not met, but to simply be told " You 're not eligible, and we ca n't tell you why '' does n't work for me, and seems more like false advertisement than anything else. If I were to be told exactly why I was not eligible, then that at least gives me something to go off of other than " Better luck next time ''.
Product: Checking or savings account

Check no XXXX was issued to IRS by me on behalf of client to pay an estimate payment with name and ssn number of client on the memo of the check for the sum of {$9500.00}. 
The check cleared my account on XX/XX/2022. 

My client received a letter from IRS dated XXXX XXXX, that sum of {$9500.00} was unpaid. On XX/XX/2022, my client and I, placed a call to IRS to explain that the check for the said amount cleared bank on XX/XX/2022. The representative we spoke to as us to go the bank to collect the image for the check ( both front and back ) On XX/XX/2022, i visited Chase bank branch in XXXX XXXX XXXX. there I was told the check was converted to an electronic check by IRS that no imagine is available. Same day I call the IRS with client and explain what I was told. But representative from IRS said we spoke whom different from yesterday said same thing. 

I called the customer service to officially complain. On XX/XX/2022 a document was fax to their through XXXX XXXX XXXX branch. On XXXX XXXXXXXX XXXX. My account was credited back with amount {$9500.00} XXXX XX/XX/2022, I process the amount {$10000.00} direct from account to IRS XXXX which XXXX send to my client by IRS . 

On XX/XX/2022, the bank debited my account with {$9500.00} which indicated the reversal of the amount. I have call customer services several the last time I spoke with I was if IRS is on the I should conn net with IRS. I'm out {$9500.00} now. 
I have document to show,