23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I want to emphasize that this complaint is serious and not a misunderstanding. My credit report contains errors that clearly do not meet the standard of maximum possible accuracy. These mistakes are taking a heavy toll on me, both financially and emotionally, and the ongoing negative impact is overwhelming. During such challenging times, correcting or removing these inaccuracies would be an immense relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXXAttempted to dispute information on my XXXX  credit report. It has a fraudulent SSN ending in XXXX. The online service will not allow me to dispute it. I called 3 different numbers for them. XXXX, XXXX, and XXXX. When attempting to dispute this erroneous SSN their system said to call XXXX to better assist. This number only gives 2 options. One is to freeze your account ( which I did ), the other is to purchase a membership. It tells you about optional memberships you can purchase and does not even let you get any of the services. It tells you about them and then hangs up. Neither of them will get you to a person so there was no " better assistance ''. This SSN and anything in reference to it needs to be removed. 

There are also 3 hard inquiries that are from a Chase credit company that I had a credit card with over 4 years ago. This company is running my credit every year even though my account was closed in XXXX. They ran onXX/XX/XXXX,XX/XX/XXXX andXX/XX/XXXX. XXXX  will not let me dispute these either. They need to be removed. 

They also have my ex husband as my spouse and will not allow disputing it online and of course not by phone as mentioned above. He needs to be removed. We have been divorced since XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and request that the following accounts and inquiries be immediately blocked and deleted from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were fraudulently opened or recorded in my name due to the breach. 
Below are the affected accounts and inquiries : Accounts to Be Blocked and Deleted : XXXX. XXXX Account XXXX : XXXX, Opened : XX/XX/XXXX, XXXX : {$0.00} XXXX. XXXX Account XXXX : XXXX, Opened : XX/XX/XXXX, XXXX : {$2100.00} XXXX. XXXX XXXX Account XXXX : XXXX, Opened : XX/XX/XXXX, XXXX : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX, Opened : XX/XX/XXXX, XXXX : {$0.00} XXXX. XXXX Account XXXX : XXXX, Opened : XX/XX/XXXX, XXXX : {$1300.00} XXXX. XXXX XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX. XXXX XXXX Account XXXX : XXXX, Opened : XX/XX/XXXX, XXXX : {$1200.00} XXXX. XXXX Account XXXX : XXXX, Opened : XX/XX/XXXX, XXXX : {$300.00} XXXX. XXXX  XXXX Account XXXX : XXXX, Opened : XX/XX/XXXX, XXXX : {$260.00} XXXX. XXXX Account XXXX : XXXX, Opened : XX/XX/XXXX, XXXX : {$1000.00} XXXX. XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$1000.00} Inquiries to Be Removed : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I applied for XXXX XXXX Bank credit card I asked to receive paperless billing because I was in a process of relocating. I have not made any purchases on the card and did not expect to receive bill yet the credit card company sent paper statement in a mail to my old address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX when I specifically asked for paperless billing. When I realized the account was deliquent I asked again to change it to paperless billing and to update my mailing address to XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX bank reported that I was late in XXXX  of XXXX and XXXX of XXXX. I asked them to remove it from my report and spoke to them several times and they agreed to remove it verbally. I also disputed the late payments with credit bureaus. Based on their favorable response that it will be removed I paid {$5000.00} XXXX money towards purchase of home. When I called them again they said that my request to remove the late payment was declined. They lied to me saying they will remove it and I lost {$5000.00} XXXX money because I was disqualified for a mortgage. I want them to remove the incorrect information that was late. I did not made any charges on the card and did not expect a bill. Moreover, they did not act on my request to change to paperless billing and so when I moved I did not receive the bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Thursday, XX/XX/XXXX, I received four alerts for changes to my Equifax credit report for four accounts. The FIRST alert indicated that my XXXX Credit Card loan type had been changed from a regular Credit Card to a XXXX XXXX Credit Card for every month retroactive to XX/XX/XXXX. I immediately contacted XXXX XXXX, who informed me that my account is not a XXXX XXXX Credit Card and that they did not report this change to Equifax. This call was recorded for reference. It is important to note that XXXX XXXX XXXX XXXX are not included in credit scores. My credit score dropped as a result of this change. Equifax also added a comment " Amount in h/c column is credit limit ''. This is incorrect and was not reported by XXXX. This is explained further in the next three alerts. The SECOND alert indicated a comment had been added to my XXXX XXXX account stating " Amount in h/c column is credit limit ''. This comment is incorrectly stating that the amount reflected in the 'High Credit column is the credit limit for the account. I confirmed the correct credit limit for this account with XXXX XXXX. The amount reflected in the 'Credit Limit ' column is the correct credit limit for this account. XXXX XXXX is indicating that they did not report this change, which negatively impacts my credit score. The THIRD and FOURTH alerts indicated that comments had been added to my XXXX XXXX  XXXX and XXXX XXXX  XXXX accounts stating " Amount in h/c column is credit limit ''. These comments incorrectly sated that the amounts reflected in the 'High Credit ' columns is the credit limits for these accounts. I confirmed the correct credit limits for these accounts with XXXX XXXX. The amount reflected in the 'Credit Limit ' column is the correct credit limit for these accounts. XXXX XXXX  is indicating that they did not report these changes and are opening up an investigation into why these changes were made. These changes appear to be retaliatory in nature against me. Further, after my prior complaint against Equifax regarding the incorrect factors they used to determine my credit score, a change was made to my credit profile with updated factors. These factors are also incorrect. So although Equifax failed to respond appropriately to my prior complaint, they did update the factors determining my credit score with more incorrect factors. I have attached screenshots of all claims in this report.
Product: Debt collection

Credit Systems International continues to call me multiple times a day from multiple numbers throughout the state of Texas. I have repeatedly asked for verification of said debt in writing, which they claim to have mailed multiple times. To date I have not received any communication other than multiple phone calls from this collector. 

They claim to be representing the City of XXXX, who was my former Electric provider over a year ago. I believe that I left my account in good standing and would like verification of the debt that CSI states that I owe. 

I have asked again via phone for this company to stop calling me. I was provided w/ their mailing address below and plan on sending a cease and desist letter via certified mail until they can validate this debt. I have also requested that they send me a letter via certified mail if they are in fact having issues getting a letter mailed to my address. 

Any help with this is greatly appreciated. The collector is more concerned with how I plan on " handling the debt '' instead of helping me verify that this is a legitimate collection. I will not be making a payment until the debt is verified in writing. 

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

n accordance with the Fair Credit Report Act XXXX  Account # XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX, HAS VIOLATE MY RIGHTS. 

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

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer report agency can not furnish a account without my written instructions.
Product: Checking or savings account

My XXXX  account was compromised and I had {$400.00} stolen out of my account through debit card on XX/XX/XXXX and on XX/XX/XXXX another {$310.00}. I reported it to the bank right away because it was stolen through friends & family option and XXXX  NEVER sides with the victim when the money is stolen through that option. The bank denied my claims within just a few mere days and told me to take the problem up with XXXX because I " authorized '' them to charge my card. So I opened a dispute on XXXX  and my claim was declined in just a few hours. They told me I was responsible for keeping my account secured and basically blaming me for having my account used without consent. I contacted the bank again today ( XX/XX/XXXX ) and they told me they wont re-open my case because the investigation team refuses to look it over again. I asked if I can speak directly to the investigation team because this is so unfair on my part and the employee told me I can't. I asked if I can at least speak to the supervisor and they said I can't. The person I was on the phone with proceeded to tell me to negotiate with XXXX and there's nothing anyone can do. I'm scammed out of {$700.00} and no one is helping me get it back. One side is blaming me for not keeping my account secured and the other side refuses to let me speak to anyone useful on my case. My bank is Bankmobile XXXX and the other company involved is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Agency did not provide me the consumer the following information. 
The Following information is required. Please fill out the form below in its entirety. 
1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? ____ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful :
Product: Student loan

Requested a loan refund on XX/XX/25 and have yet to receive status or update via mail, no refund or change in account status has occurred.
Product: Student loan

In XX/XX/XXXX I finished paying off my student loans. However, my auto payment was still taken out for the month of XXXX for {$160.00}. I notified Mohela and was told that it would be auto processed within 90 business days and that if I didnt receive a refund by XXXX to call back. I did call back in XXXX and was told it was never processed, but that I would have a paper check mailed to me within two weeks. I called back in XXXX and was told that information was incorrect and that if I were to get a refund, it would come from the US treasury department. It is now almost XX/XX/XXXX and I have yet to get a refund
Product: Credit reporting or other personal consumer reports

MY ACCOUNT # XXXX Hope everything good I'm just lettin you know XXXX XXXX that debt under the Fair Debt Collection Practices Act This aint me XXXX for no more proof or paperwork XXXX just tellin you straight up I dont agree with it If you got ta reach me do it through email only Monday to Friday XXXX to XXXX east coast time Dont try no live calls or voicemails and dont be sendin no mail XXXX XXXX none of that its just a hassle Appreciate you understanding
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some major issues on my credit file that need to be reinvestigated asap. 
issue 1. XXXX XXXX listed on my XXXX  report has a late Payment from XX/XX/XXXX, I was an authorized user on that account over 4 years ago I am not on that account and I am not responsible for the balance of that account Please delete. 
2. Second issue I found inquires from various auto loan companies. I have only one Auto Loan with XXXX XXXX XXXX. I have never applied for accounts or loan with the following companies :, XXXX XXXX, XXXX, XXXX XXXX, 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 am hyper sensitive to any movement on my credit file I discover these last month and filed a dispute. This is my 3rd time complaining about this issue.
Product: Prepaid card

I just want to have a chime card but someone used my info to open a account with chime so in order to get a chime account that fraudulent account has to be closed so chime sent me the info to get that process started and this was one of the step
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My father and I sold a piece of property together and the money from the sale was put into his Citizens Bank checking account. I was supposed to get {$50000.00} and he got {$50000.00}. I called Citizens Bank to ask them how much of a personal check can be cashed at their institution if I did not have an account there. They said for anything over {$10000.00} I would have to order the cash and it could take up to 2 weeks for the order to come through. I asked them if my father wrote a check for {$10000.00} could I cash that today and the women I was speaking with ( I do have her name ) said yes. So I got a taxi to the bank I had a valid ID that matched the check and they refused to cash it saying that the women I spoke with never said I could cash a {$10000.00} check. She said she told me even for {$10000.00} I would have to get approval from the regional manager and that the regional manager said no I can not cash this check. There is plenty of money in the account and right now we need this money very badly but the bank is refusing to honor my fathers check and I am being told I have to wait to cash anything from his account now. 
I am appalled at this, how can this bank keep my father 's money, and my father called the bank and spoke with the women I spoke to and still they refuse to cash it and the women said she had to wait for an approval from an operations manager. We are destitute at the moment as my husband and I have not been working and need this money. 
I did ask to see the policy that states they can refuse to cash a check and they refused to provide it to me, they said they did not have it in writing. How can they do this? The check is correctly written and my father spoke to the manager and she just refuses to cash it.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts attached are in clear violation and your company has not tried to fix this problem yet. I gave you many chances to fix your problem but you just failed to do your job.

In the letters i sent you before i told you that the accounts you are reporting is in violation of 15 US Code 1681e ( b ) you was suppose to make sure everything across all 3 credit bureaus report 100 % information to my consumer report. Instead the date open, date last active, payment history dates, account numbers, balances, Inaccurate amounts payment status and inaccurate across all 3 credit bureaus XXXX, XXXX and equifax. 
I also sent you another dispute and told you that you violated 15 usc 1681b ( a ) ( 2 ). You was only suppose to report these accounts below with my consent and with no other reason. I never in my life gave you consent to report these items but yet you still reported it you violated the U.S CODE LAW. I have ask you to remove these accounts many times you ignored me. Pursuant to 15 USC 1692a ( 3 ) I am the consumer and I never gave ANY REPORTING AGENCY DIRECT written consent to report anything on my consmer report No consent is IDENTITY THEFT. Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion and told them about the inquires that they put on my report that wasnt correct and would like them updated and removed but the reps either hung up on me kept saying no everything correct on your report and brushing me off yelling etc. I was told that I can reach out to you for better help.
Product: Checking or savings account

I worked for this person sometime In XXXXIts was third party.its was a week hold placed on the check.After the week went by I received my debit card tried to pull money off and it wouldn't work.I then proceeded to call Chase bank and I was informed that my account was closed.I was told that my check for XXXX dollars was sent out on XXXX still haven't received any money.I just called back and now I'm hearing that me and the check writer have to come in and show id I would have did that at first With that being said JP Morgan Chase said they are keeping my money so I had to contact you guys.I know I'm not the only one help me out it's XXXX time and I need my money.They had a whole week to verify this before they cashed the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

i did a complaint a few months ago for XXXX XXXX XXXX XXXX XXXX XXXX it was deleted from my credit report because of identity theft and it is illegal for credit bureau to put back negative items back on my credit report once it has been deemed unverified or inaccurate. they put it back on all 3 credit bureaus and dropped my scores. they changed the amount to XXXX i have another account thats not mine XXXXXXXX XXXXXXXX XXXX i have called thses guys i gave them police report they dont have no info on me someone used another email and address to get the phone so i never got a letter from this conllection agency i told them its not my debt i had my wallet stolen in a basket ball pick up game years ago they wont delete the account thats not mine
Product: Checking or savings account

Hello, I have made my final efforts to understand and put this matter to end with Chime Bank illegally taking my {$38000.00}. I have sent requested documents since XX/XX/XXXX, and they have yet to release my funds. This bank harassed me to send my documents and take selfies in which I lowered my banking standards and sent them a selfie of me holding my temporary Georgia Issued ID which is issued by XXXX XXXXXXXX before we receive the hard copy. I have told many representatives about how their representative by the name of " XXXX '' tried to have a personal relationship with me and may have hacked my information to have someone pretend to be me after I denied helping her son. My funds have been sitting in this closed account since XX/XX/XXXX, and the only response I receive is ( After a recent review, your account was found to be not in compliance with Chime 's internal policies and your account agreement. Your account has been closed by Chime and is not eligible for a refund. For more information, please review the section titled Amendment and Cancellation in the Chime Deposit Account ). Well, I read their agreement and it states that chime has the right to refuse to issue any remaining balance less than {$1.00} which is not the case in my situation. There are many reasons I can take chime to court for this neglect, but this would be considered {$38.00} to the taxes I have paid. I have explained the issue over and over about a Chime representative named XXXX who was calling my phone for personal matters, and I received no response in regard to that violation, so I let this bank continue digging their own hole. I have been advised to reach out to the federal authorities in this case as Chime have claimed there is a violation somewhere with my funds and their internal policies which should have been reported to the Federal authorities immediately or they are committing the act of theft by taking along with money laundering by the response I'm receiving from their support team which has no live representatives. If me overspending my hard-earned funds are not in compliance with Chime 's internal policies that give them no legal right to put my {$38000.00} in a no refund status as if this was a PPP loan or credit builder account. I am a perfectly sane individual who received this direct deposit in XXXX of XXXX and had to pay taxes on my funds. I have no problem with this account being closed but Chime bank is committing a major act of money laundering which will be reported if my funds were found to be unauthorized and they are holding illegal funds on a closed account generating interest under my name and not being reported to taxes. If this is not settled immediately, I will have the appropriate government officials to investigate Chime support team and Chime bank under the Federal Law for financial companies committing money laundering and I have everything documented and recorded.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXXXXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX Balance : {$3800.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S.C. 1681 section 602 states I have the right to privacy. Under 15 U.S.C. 1681 section 604A section 2, it also states that a Consumer Reporting Agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXXXXXX XXXX XXXX XXXX : Account number XXXX XXXX  XXXX : Account number XXXX XXXX XXXX  : Account number XXXXXXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX : Account Number XXXX XXXX : Account Number XXXXXXXX XXXX XXXX XXXX : Account Number XXXX XXXX XXXX XXXX  : Account Number XXXX
Product: Debt collection

RESURGENT/LVNV FUNDING has reported a collection on my account even though I have a seven-year fraud alert placed upon my account. They have never notified me of this debt via mail, phone, or with a signature to confirm I have received their notice.The credit card associated with the original creditor was reported as in Good standing on my XXXX report but also reported as stolen because my identity was stolen.