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

I HAVE SUBMITTED THE EXPLANATION OF BENEFITS TO XXXX XXXX XXXX SHOWING THAT THERE IS XXXX BALANCE ON XXXX XXXX BILLS. THE PART THAT THEY KEEP BILLING ME FOR IS A DISCOUNT WHICH ERASES OVER NEGOTIATED FEES OF THE HOSPITAL BILL. 
I HAVE DISPUTED THIS SERVAL TIMES AND THEY HAVE NOT MADE THE CORRECTIONS ON MY CREDIT REPORT. THE DEBT COLLECTIONS NEED TO BE REMOVED FROM ALL CREDIT REPORTS TRANSUNION, XXXX XXXX. 
I AM GOING TO ATTACH ALL EOB FROM XXXX WHEN I HAD XXXX XXXX XXXXI AND I AM GONG TO ATTACH EOB FROM MY INSURANCE UHC FOR XXXX FOR XXXX XXXX. 
I JUST RECEIVED A NEW CREDIT REPORT FROM EQUIFAX, XXXX XXXX XXXX AND THIS IS THE FIRST NEGATIVE INFORMATION THAT APPEARS ON MY REPORTS THAT HAS DECREASED MY XXXX XXXX BY SEVERAL NUMBERS DOWN. I HAVE DISPUTED THIS MORE THAN 30 DAYS AGO AND THEY CONTINUE TO POST IT. THIS IS AGAINST THE LAW. 
I AM ATTEMPTING TO REFINANCE AND THIS IS HINDERING ME FROM MOVING FORWARD WITH XXXX CREDIT AFTER PAYING IN GOOD FAITH TO REPAIR MY CREDIT FOR THE PAST SEVERAL MONTHS. PLEASE ONCE AND FOR ALL REMOVE THE DEBT COLLECTIONS AS I DO NOT OWE MEDICAL FINANCIAL SERVICES ANY MONEY AND I NEVER HAD A CONTRACT WITH THEM TO PAY THEM MONEY THAT I DO NOT OWE.
Product: Checking or savings account

Good day, I made a transaction below details of it : XXXX XXXX - {$340.00} From : Associated Access Checking ( XXXX ) {$620.00} Posted : XX/XX/2024 It appears on your statement as : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Nickname : XXXX XXXX I used Assotiated debit card for that. 

Transaction was made though XXXX platform, XXXX XXXX on that platform : XXXX XXXX XXXX XXXX XXXX XXXX & XXXX & XXXX I have all details about it as well. 

After transaction have been completed, shop disappeared from that platform and nothing have been shipped. 

I reach platform they redirect me to bank later I reached my bank and approximately after 2 months they made investigation and refuse to help me help. They decided that nothing wrong with transaction even it was scam. I provided all details about it.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 a third party fraudulently obtained my account access information ; a third party called me pretending to be a representative from the Chase Fraud Department, then tricked me into providing a texted confirmation code used to initiate a {$5000.00} XXXX XXXX out of my business account. An EFT stemming from this situation meets the EFTA Regulation E definition of unauthorized EFT, and Chase is responsible for reimbursement of these funds into my account. 
For nearly XXXX  months I have been in contact with Chase Claims Department, and they seem intent on giving me the run-around long enough for me to cede and give up on the funds that were stolen. I have filed a police report in XXXX XXXX, I've reported this incident with the FBI, I've contacted the Attorney General 's office, the FTC this CFPB, the OCC and the XXXX. Next, I will contact media outlets, news, radio, social media. 
The third party who called me, seemed to have been trained by Chase Bank. His language was identical to the language used by Chase Branch employees ( to " generate a XXXX code '' and they'd " walk you through the steps using your chase mobile app '' ). I believe these fraudsters are actually bank employees working from home. I imagine they use their own phones during working hours, and have a way to " spoof '' the caller ID to Chase 's XXXX number when making " courtesy calls '', then " spoof '' their caller ID during their time off to scam bank customers. 
This is not the end of the line for me, as I will continue to pursue this scam, and I am sure Chase does not want to deal with the fall out of exposing their off-site / outsourced employees stealing funds from their customers. 
Chase is responsible for reversing and reimbursing my stolen funds. Chase partially owns XXXX and intentionally relinquished financial liability for erroneous or fraudulent transactions, putting the onus on their consumers without making these terms clear to their customers.
Product: Debt collection

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

RECEIVABLES PERFORMANCE account is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Student loan

I was told that forbearance would stop my interest from accruing, which Navient told me upon setting up forbearance, in return my loans have gone up thousands of dollars since I have entered forbearance as well as deferment. No one ever discussed options for repayment including IBR. I am getting no where with Navient except threats that now I will be forced in default is I can not make the required {$500.00} payments and I am currently unemployed to boot. I am considering bankruptcy at this point my loans are {$49000.00} for an XXXX.
Product: Money transfer, virtual currency, or money service

I sent money to my sister through MoneyGram to XXXX on XXXX XXXX,2021 and I got a message that she has received the money and she called me that she hasnt received it and MoneyGram isnt finding any solution to this matter and even time I call them they tell me to wait for 3-4 business days and its been 2 weeks now.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX  XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX  XXXX, # XXXX XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A. Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, in fact exists.
Product: Debt collection

I wrote numerous letters to the debt collection agency and the provider, as well as numerous phone calls. The debt reported on my credit turned out to be inaccurate by the provider and I did not owe anything. I was assured the provider would have the debt collection agency remove the items from my credit report, but to-date the items still appear on my credit reports.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and found inquiries that I did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a collections account that was flagged to my account through Experian. Experian claims it has confirmed that the account belongs to me but thats not accurate. XXXX  and XXXX law has both confirmed that they have verified and removed the collection account. This is a company who claims to have bought my debt from the the original company and has been trying to collect {$670.00} from me and flagged the account to my credit report which has brought down my credit score and affects my credit. Ive tried twice to dispute this with Experian but it seems like they are property investigating the debt or are going based on what this debt collector company is saying and ignoring that I have already several times confirmed is not mine and other credit reporting agencies has removed and fixed this account.
Product: Credit reporting or other personal consumer reports

I was told due to me being a XXXX XXXX XXXXXXXX veteran I am eligible for student loan discharge which would delete these student loans off my report by XX/XX/24 by XXXX : DEPT OF EDXXXX : Account number : XXXX Open Date : XX/XX/24 DEPT OF ED/XXXX : Account number : XXXX Open Date : XX/XX/24 DEPT OF EDXXXX : Account number : XXXX Open Date : XX/XX/24 DEPT OF EDXXXX : Account number : XXXX Open Date : XX/XX/24 It has not been removed and is now being reported inaccurately by the Credit reporting agencies. UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS.
Product: Debt collection

Since XX/XX/XXXX Ive been trying to get Experian to report only accurate information to my credit report. 

On XX/XX/XXXX I submitted a complaint to the CFPB about Experian. The complaint was about Experians unfair credit reporting methods and their negligent noncompliance or willful noncompliance with the law regarding XXXX XXXX XXXX XXXX XXXX as a collection account on my credit report. 

On XX/XX/XXXX Experian deleted XXXX XXXX XXXX XXXX XXXX as a collection account from my credit report. 
On XX/XX/XXXX Experian was reporting the following collection account XXXX  XXXX XXXX XXXX XXXX as a collection account on my credit report. This is the same account sold to a different debt collector and added to my credit report again. 

I submitted a complaint to the CFPB about Experian and the account was deleted from my credit report. 

As of XX/XX/XXXX Experian is reporting XXXX  XXXX XXXX XXXX XXXX as a collection account on my credit report, and it is being reported by collection agency XXXX  XXXX  XXXX  account number XXXX whose mailing address is XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX. 
As you can see this is the same account being sold to different debt collector. Since this is the same account that was already disputed and removed from my credit report, I am demanding this account be immediately deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I consistently check my credit report and noticed that the errors and false information for this account did not meet the credit report standards of being 100 % correct. This has damaged me and held me back from progressing for quite some time. According to the consumer law code 15 U.S.C code 168ic ( b ) and 15 code U.S.C Code 1681i ( 5 ) this account is in Violation for reporting this information without my consent or knowledge.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnish this amount that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5-step validation procedure which makes this unfair practice. According to the FDCPA, I'm entitled to XXXX dollars per violation and clearly, they violated my rights. I looked at my report on XX/XX/2024, I noticed some things were reporting incorrectly. I sent a letter to Experian asking them to reinvestigate the completeness and accuracy of my accounts. However, I waited the required amount of time, They said everything was 100 % correct. I asked them how and send me the description of the investigation based on 15 USC 1681 ( 7 ). They did not provide that which is violation of 15 USC 1681 ( 7 ). They also violated 15 USC 1681 ( 5 ). They also violated 15 USC 1681e ( b ). This does not make any sense to
Product: Mortgage

I was in the process of procuring a partial claim with LoanCare. Loan Care stated they did not receive my paperwork, even though I received a letter from them saying they did. Loan Care referred my loan to their attorney, who in turn filed a foreclosure action on XX/XX/. Prior to the foreclosure action being filed against me, I had listed my home for sale, and it was under contract as of XX/XX/. I let the attorney for LoanCare know this on XX/XX/, and the attorney for LoanCare indicated they were told by their client to file the foreclosure action anyway. Because of this, the payoff on my loan is now almost {$20000.00} more than the principal balance, and I can not close on the sale of my home. LoanCare never sent me a notice saying they were putting me info foreclosure. I only found out about it when I called LoanCare to get a payoff figure for my loan at the end of XXXX. 
I am now in foreclosure and have been threatened a breach of contract lawsuit against the would be buyers of the house, since I can not close due to lack of funds. 
No one from LoanCare will return my calls. I have called XXXX XXXX and XXXX XXXX in the Office of the Customer and left numerous voicemails. I have sent emails to XXXX as directed. They simply will not respond. My real estate attorney has requested information and they refuse to cooperate. I'm at a complete loss and this is financially ruining.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was called by a collection agency about a debt that I had no knowledge of.  So this prompted me to pull my credit report.  I don't know if my identity was stolen because I don't know who could have done it however I have so many accounts on my report that don't belong to me!  I was really shocked and started contacting the creditors trying to see what I could do to correct this awful problem but each creditor basically acted as if I was lying and asked me to pay anyway!  This treatment is illegal and I am currently looking for legal counsel.  This is a final attempt to get these items removed please help!  The accounts that are reporting that are not mine and that I have no knowledge of are listed below, XXXX XXXX XXXX., XXXX XXXX/XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX/ XXXX XXXX, XXXX XXXX XXXX/XXXX XXXX XXXX, XXXX. XXXX/XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX XXXX, XXXX XXXX/ XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX, XXXX XXXX, XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX.I have no knowledge of these accounts!  I have tried desperately to correct this problem.  Please help!  No one should be treated this way!
Product: Checking or savings account

Account number XXXX is a checking account for XXXX XXXX XXXX. 

The bank refuses to release my money and/or give me a reason as to why there is a " fraud '' investigation ongoing. In fact, they will not let me communicate with their fraud department, only stating the fraud department will call me back, which they never do. 

All I did was open a new account a few weeks ago. Due to the fact I did not know there would be a hold, a check bounced. I got information today my account was now available but when I tried to make a XXXX food purchase it was declined. 

Everbank refuses to let me speak with anybody other than a customer service representative that will only tell me they are sorry and somebody will call me back. The funds have long cleared and I was not even trying to make anything other than a {$10.00} purchase. 

When I called the customer service number, which I recorded, it states I have " AN AVAILABLE BALANCE '' in excess of {$3400.00} This bank is not only refusing to provide me with my lawful funds, they refuse to even communicate with me about the matter, other than through a customer service representative that can't even give me a contact name. 

NO funds have been made available to me.
Product: Bank account or service

I filed a fraud dispute because a company I made a purchase from was unresponsive during the return process. I called my bank as a follow-up that they requested on XX/XX/XXXX and spoke to an advisor for 15 minutes. Today, I found that my bank recharged me for the items. When I spoke to an advisor today, I was advised that the Agent never logged my follow-up call. She did not notate any of the information I provided and they have no proof on their end that I called. I asked for an escalation of my call because the employees there clearly lied to me previously and I could not trust that my claim was being processed. I was advised that there were no supervisors available.
Product: Credit reporting or other personal consumer reports

Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my XXXX XXXX  that I wouldn't even be able to afford help because of my low credit score due to these errors.
Product: Credit reporting

My complaint : I sent a dispute letter to Experian on XXXX, and i immediately received a suspicious letter back even though I sent proof of ID and address. 
The outcome I want? 
I want Experian to do their job, and investigate my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX report KIKOFF LENDING LLC, hasnt been reporting my on time payments, increased credit limit and balance since XX/XX/2023 and Ive been trying to fix this problem for XXXX months now and its hindering my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute these accounts in many times on my report but my dispute has been ignored. I am requesting that you look into this matter and update the information as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX Balance : {$510.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$1900.00}, XXXX XXXX Balance : {$3900.00}, XXXX XXXX Balance : {$5200.00}, XXXX XXXX Balance : {$3500.00}, XXXX XXXX Balance : {$3900.00}, XXXX XXXX Balance : {$650.00}, XXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX  XXXX Balance : {$0.00}
Product: Debt or credit management

I opted in to the auto-save XXXX XXXX program through credit Karma with the intent to boost my credit starting XX/XX/year>. After 3 months and no noticeable changes to my credit. I decided to opt out. I reached out to Credit Karma 's customer service as the FAQ page says to request my account be closed and the money saved to be returned to me on XX/XX/year>. I have since been mislead, lied to and ignored. I was advised to verify my information, and then was told I had to reach out to them using a different email address that my account was attached to. I did that. They gave me instructions on how to close the account which are misleading. They say you can close the account from the " Savings and Payments '' screen but per the screenshot I included, there is no such option. Not even in the top right menu. I have asked for my money back multiple times and they will now not respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act 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 XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I STILL HAVE INQUIRIES THAT ARE OLD FROM XXXX SHOWING UP ON MY CREDIT REPORT AND THEY SHOULD HAVE BEEN ERASED BY NOW, PLEASE HAVE THEM REMOVED
Product: Payday loan, title loan, personal loan, or advance loan

I was recently contact by a debt collection company that said I had not made payments on a personal loan through Advance America that was made on XX/XX/XXXX of this year. I did not request this loan. My older sister, XXXX XXXX XXXX XXXX my information to request a loan that was then transferred to her bank account. XXXX passed away about a week after the transaction occurred. Our mother is the sole beneficiary of her bank account and found the transaction on her bank statements. Some of the information on the loan request does not match my personal information, either ( i.e. phone number and email address ). We also believe that her partner at the time, who had access to XXXX 's bank information, might have been involved. Since XXXX passed, there have been numerous soft inquiries into my credit from various loan companies. I have put a freeze on all XXXX of the credit reporting bureaus. However, I would like this investigated and a formal complaint to be made. I will also be making a police report. I have contacted the loan company, the debt collector, and the company that purchased the debt from them.
Product: Checking or savings account

PNC Bank of New Jersey arbitrarily stopped including copies of our cancelled checks in our monthly checking account statement. We have been customers with PNC for over 25 years. The PNC Senior Choice Account Agreement we signed up for stated we would get copies of our cancelled checks. We first notified them of this error in XX/XX/XXXX, the PNC customer service representative said we would get copies in the XX/XX/XXXX statement, NO copies of cancelled checks from PNC in the XX/XX/XXXX statement. Called again in XX/XX/XXXX and the PNC customer service representative promised we would definitely get copies of our checks in the XX/XX/XXXX statement, NO copies in the XX/XX/XXXX statement. Called again in XX/XX/XXXX and the PNC customer service representative again promised check copies in the XX/XX/XXXX statement. In XX/XX/XXXX our statement had copies of the checks. In the XX/XX/XXXX statement, NO copies of cancelled checks. My husband visited PNC in XX/XX/XXXX and spoke to a bank representative at a PNC branch located in XXXX, NJ to again explain the issue. PNC 's customer representative said we are in PNC 's Senior Choice Plan and we are entitled to copies of our cancelled checks. He promised we would receive copies in the XX/XX/XXXX statement, NO check copies were received in the XX/XX/XXXX monthly statement. 

As seniors, we feel PNC is taking advantage of us, but more importantly PNC is breaking the terms of their agreement. Thank you
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX Account Number : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Ive noticed some unfamiliar items on my credit report that I believe may be the result of identity theft, as I did not authorize these accounts. Ive addressed this issue before, and Im now requesting that these accounts be removed from my report as soon as possible. Their presence is causing me significant stress and does not accurately reflect my credit history or financial management. If we can not resolve this issue promptly, I am prepared to take legal action to protect my rights and find a solution. These inaccuracies are seriously hindering my ability to achieve important financial goals, such as buying a house and supporting my family. I hope we can address this matter quickly.