23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX XXXX XXXX XXXX XXXX XXXX, I received an email from Chime ( it was a valid company email ) stating Welcome to Chime Immediately after this at XXXX XXXX XXXX, I received another email stating a new logon was detected from XXXX XXXX XXXX, Device : XXXX XXXX And then at XXXX Chime asked me to fund the new Chime Credit XXXX XXXX XXXX Credit Card None of these actions were taken by me and the locations are not mine. This appears to be common with Chime, so I am reporting for the records.
Product: Credit reporting or other personal consumer reports

I recently noticed that my credit report contains incorrect personal information, which has resulted in an unfamiliar and inaccurate account appearing under my name. This is deeply concerning, as I have no connection to this account, and it should not be associated with me in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 TransUnion deleted every account on my credit report. Over the following week my credit score with TransUnion dropped by almost XXXX points. Prior to their ADMITTED error my score was XXXX and dropped to XXXX overnight. Since they rebuilt my credit report my score has increased to a current score of XXXX, but is still far below where it was. During this time my XXXX score has stayed above XXXX. This error was, and is, completely due to the inability of TransUnion to properly, and legally, maintain my credit score based on my actual history and credit usage. While they have repaired the problem that TransUnion deleting every historic item on my credit report, to the tune of XXXX current and historic accounts, by rebuilding and reinstating the accounts of record, the damage to my credit score persists. Again, they acknowledged and have repaired THEIR error but my credit score has not recovered to where it was previous. 

You will see from the two TransUnion provided credit reports, one dated XX/XX/2022 and one dated XX/XX/2022 the difference. The XX/XX/XXXX report shows my entire credit history and the XX/XX/XXXX report shows the report AFTER TransUnion deleted my entire history from my report.
Product: Credit reporting or other personal consumer reports

The information is still reporting to transunion and not fixed. Chime said they updated the report in XXXX. But it is still reporting a balance of XXXX and open. And it should be XXXX and closed. I have filed 4 disputes in a row. And XXXX told me each time. You guys response was " the account verified as accurate ''. You guys are reporting misinformation. Chime told me that they can't update the account " credit report '' because it is closed. Well XXXX thinks its open and carrying a balance. Will you guys please fix my account the closed with a XXXX balance.
Product: Mortgage

My mortgage holder is Truist and my bank is XXXX XXXX. I make payments to my mortgage via XXXX XXXX, and I make them monthly and on time. 

My payment for our XXXX mortgage was made by XXXX XXXX at XXXX XXXX on XX/XX/21. This is fully documented in my account records and statements. 

My mortgage holder, Truist, states that they did not receive the payment. They, however, received the prior payment and the following payment, no problem. These payments were sent to them the identical way. 

This means that whatever problem occurred happened between when XXXX XXXX made the payment to Truist on XX/XX/21, and XXXX Truist received the payment and/or misapplied it. 

This means that there was no error on my end in the transaction ; however, since this occurred, both XXXX XXXX and Truist are trying to avoid taking responsibility for the error in payment application. 

I have made six calls to date, to both XXXX XXXX and Truist, in an attempt to rectify the matter. I have sent a letter to Truist letting them know that there was an open investigation with XXXX XXXX, and that if XXXX XXXX contacted them, I would appreciate their cooperation. I have had both XXXX XXXX and Truist on the line on a conference call, and the call ended with both parties accusing the other of the missed payment. It was incredible. I have the dates and names of the parties on that call. 

I will attempt to resolve the matter with one additional conference call. After that, and the filing of this formal complaint, I feel I'll have no further recourse to protect my interests than to retain legal counsel and sue Truist for negligence. 


Because of this, my credit score has been inoridinately affected and I've been sent a notice of default on my mortgage.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX : {$3600.00} ; XXXX XXXX  XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Debt collection

A kross, Lieberman & Stone representative, XXXX XXXX, initiating contact about a debt their company is attempting to collect on XXXX XXXX, 2015. XXXX XXXX identified the debt as XXXX XXXX XXXX. On that day, I informed XXXX XXXX not to contact me at my place of employment ; and that the debt is being disputed. XXXX XXXX, the representative the company refused to give me her information, spoke in a threatening and belittling manner. She contacted me by phone again on XXXX XXXX, 2015, at my place of employment. The agent, XXXX XXXX, was again instructed not to contact me at my place of employment. XXXX XXXX then proceeded to call back an additional time on XXXX XXXX, 2015, and requested my employers fax number. XXXX XXXX later proceeded to contact my office yet again by faxing over an employment verification request, which I did not authorize. The request revealed my entire Social Security number and personal information. The harassment needs to cease immediately. 
I 've requested the company to stop all communication with me and with this address and any phone numbers you have listed in regards to this debt. The lack of professionalism and harassment XXXX XXXX displayed on the phone is the reason I am filing this complaint. 
I also requested that the comapnys records reflect that I have disputed having any obligation for this debt. If they forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.
Product: Debt collection

I 've contacted this company and sent proof of my XXXX to show the debt they seek should be taken up with the insurance company. I 'm not liable for this debt and exempt from collection attempts
Product: Student loan

XXXX XXXX XXXX On XX/XX/XXXX, I submitted an application for income based payment. I went to studentloans.gov and granted access to a joint tax return with myself and my wife showing both of our income. On XX/XX/XXXX, I received a notice from Nelnet stating that my application was incomplete and that I need to submit proof of income. I responded with a copy of my Paycheck stub immediately. I then received on XX/XX/XXXX with a duplicate email requesting proof of my income. I went back to my email and submitted the same attachment showing my income. On XX/XX/XXXX I received another duplicate email requesting a copy of my income. On XX/XX/XXXX, I contacted Nelnet via phone. I was told that it was not MY income that they needed, rather a copy of my spouse 's XXXX. On XX/XX/XXXX, I received a letter stating that {$3700.00} was being added to my principal balance and that my payment would increase from {$280.00} to {$1000.00}. I am frustrated that the correspondence with Nelnet was vague and their communication with customer service did not specify that the income I needed to submit was for my spouse, not my own. I have asked Nelnet to reverse this capital interest penalty and calculate my payment appropriately and they have not done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed two online disputes with Equifax, as they are reporting a mortgage account with XXXX - XXXX XXXX that was paid and closed on XX/XX/XXXX. Equifax claims to have performed an investigation, yet the closed account still remains on my report. And, Equifax updated the " Last Reported Date '' to XX/XX/XXXX, which they are using to say that the account will continue to be reported for ANOTHER XXXX years, until XX/XX/XXXX. 

I contacted XXXX - XXXX XXXX via phone during standard business hours on multiple occasions and was told each time that their mortgage lending associates were unavailable to assist me.
Product: Credit reporting or other personal consumer reports

My account is with Citi bank. My credit report is showing that I have a maxed out balance of {$13000.00} when it was paid off in the month of XXXX. XXXX did not report the updated balance as paid in full since the last payment in XXXX. The last report was around XX/XX/year>. XXXX said that Citi bank did not report the paid balance. However, XXXX and XXXX shows the updated balance from XXXX. As a result, Citi bank reduced by Credit limit to {$2300.00} from a {$13000.00} limit. I called Citibank to investigate the incorrect balance reporting and the reduced limit and they still have not corrected this info.
Product: Payday loan, title loan, or personal loan

Friday XX/XX/XXXX Advance America will take payment out of my checking account. My checking account is on hold due to issue Im having with my bank. advance America will not work with me on making payment. I need the payment to stop and Im more then willing to pay what I owe.
Product: Debt collection

I received a collection letter from this company I asked them to verify the debt. I was sent a bill from XXXX XXXX. I dont have auto insurance with XXXX XXXX I have XXXX  I dont owe this debt. Instead this company put this collection on my XXXX  report. I want this off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been dealing with this issue going on 3 months now. And have not gotten a solution. I'm in the process of purchasing a home and this is hindering me. 
There's an ( Charged off ) account on my credit report from CNAC. CNAC sold this account to XXXX XXXX. I have paid and satisfied the account with XXXX. XXXX wrote me a letter stating that the account is satisfied and requesting it be removed from my report. XXXX also stats that they can't report themselves because CNAC is the original creditor and they are the company reporting to the bureaus. However, CNAC stats that they can't report because they sold the account. Both companies are saying they can't report. How can the issue be resolved. I've disputed this account multiple times. Each time it's come back as transferred by CNAC. The credit bureaus are stating that they can't do anything about it because the only company who can report is CNAC because that's who's on my report. I really need a solution asap. Im in the process of purchasing a home and this is the only issue.
Product: Debt collection

I get multiple calls from all sorts of different XXXX numbers throughout the week. When I looked these numbers up they all resort back to XXXX XXXX, XXXX. Message states XXXX XXXX XXXX. I refuse to answer anymore calls from these random numbers. My phone rings as early at XXXX thru XXXX or XXXX XXXX. I think I have 8 different numbers coming from same company.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXXXXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by TransUnion, XXXX, XXXX. TransUnion, XXXX, XXXX has violated my consumer rights and violated federal law. This is the FOURTH attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Debt collection

On XX/XX/20 Phoenix financial services added ( 2 ) seperate entries to my XXXX  credit report. They were listed as new, origin date XX/XX/20. My credit score dropped 25 points. 
On XX/XX/20 Phoenix financial services added another entry to my XXXX report, again reporting the origin date as XX/XX/20, dropping my score a total of 59 points. 
The entries listed the original creditor as XXXX XXXX XXXX of XXXX PA for XXXX each. 
I have not lived in nor visited a hospital in XXXX for several years. It appears that Phoenix financial services purchased an old debt ( if in fact the debt ever existed ) and attempted to present it as new, directly against the FCRA. 
I am disputing these entries with both credit agencies, however, Phoenix financial services practices are illegal and in direct violation of the FCRA so I felt it my duty to report that they are not only breaking, but flaunting the laws put forth regarding consumer protection regarding bill collection, especially medical.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX XXXX XXXX {$24000.00} Inquiries XXXX XXXX XXXX XXXX Data Breach happened, per 15 USC 1681c2 please block and delete these items within 4 business days
Product: Credit card or prepaid card

called now several people starting with American Express credit card ... its an XXXX XXXX XXXX XXXX for {$25.00} and not being recognized... issued for points earned from. XXXX American Express credit card purchases... Last people talked to where connected with a " XXXX '' supposedly administering the card for XXXX American Express
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at around XXXX I received a text message claiming to be Bank of America asking if I tried using my debit card at XXXX for {$10.00}, GTL for {$25.00} or XXXX for {$1500.00}. I said NO and I received a called from some one claiming to be XXXX from BofA. He sounded like a rep, although questionable, however, he caught me at the worst time. I was rushing between doctors appointments and his urgency was that I needed to change my password immediately. So I pulled over to do so. When I logged into my account, he had me go to XXXX and asked me to send funds to myself as that was the only way to get my money back. I hadn't used XXXX in a very long time, so I couldn't remember what the deal with it was, but ultimately he had me enter in a phone number XXXX and put in my First name but not my last, instead use my initials AH multiple times and asked that I transfer money quickly to stop money from transferring out. Again, panicked and confused I listened. I really believed he was from the fraud department at Bank of America. Thus " XXXX '' convinced me to send three amounts. {$1500.00}, {$990.00} and finally {$1000.00}. When my XXXX maxed out with the amount of money I could transfer, the person said that he would call me the following day at the same time. Immediately after I hung up I realized that this person had scammed me. I called BofA right away, after hours of trying to get a hold of some one in the XXXX fraud dept. Finally after getting a hold of some one, I was able to file a claim. That person was very empathetic and explained that this type of scam happened very often and assured me that BofA would investigate and work towards retrieving my money. I was told it could take from 10-45 days to investigate. So after two weeks I called and was twice, first my case was still pending and then the second time a few days later, today on XX/XX/2022 I was told that my case was closed and that BofA had determined that the number associated with this account was indeed a CHASE account but that they were not going to refund the money. Of course I was upset and asked for a better reason. The rep was unable to clarify. Said it was what it was and asked why I didn't file a police report. After telling her I wasn't dumb and that I never had had to do that before for any credit card fraud, etc, she simply tells me she's sorry. At one point she lied to me about escalating my complaint but then later in the conversation said she could not. Eventually I'm transferred to a supervisor who reiterates the same information and tells me to file a police report. I asked how this would work since I don't know what city the person lives in and how the police would respond knowing that they wouldn't. In the end she gave me an email to her supervisor. I want my money back. It was stolen and it's unacceptable that the banks and XXXX are playing this game with their costumers.
Product: Money transfer, virtual currency, or money service

There had been multiple of attempts for a refund from the company cash app. There were no live agents, no number available to speak to a representative, or anything of that nature. Only thing the company cash app would provide is someone on the back end of the company cash app approving and denying the case. Very disappointed and very disheartening especially when Ive been a user for so long.
Product: Credit reporting, credit repair services, or other personal consumer reports

I registered a dispute with Transunion for the start date of an account, and I received an email that the answer to my dispute was available. To see the results, I needed to reset my password and log in. At some point in trying to reset my password, I was routed from the dispute website, and asked to enter my credit card info. I thought this was just a way to verify myself ( kind of like how USPS uses your credit card information to verify changes in address ). But it was actually to pay for $ XXXX/month credit monitoring services. No mention of the service or charges until I clicked submit -- very misleading and deceptive. I called Transunion to cancel the charge, but they wouldn't remove it.
Product: Credit reporting or other personal consumer reports

I am disputing multiple joint accounts from USAA Federal Savings Bank that appear inaccurately on my credit report. These closed accounts report negatively, with statuses such as CollectionOrChargeOff, although they are documented as paid in full for less than the full balance. The reported information is inconsistent and incorrect, failing to comply with FCRA ( 15 U.S.C. 1681i ) and XXXX XXXX standards across XXXX, XXXX, and XXXX. 

Key issues : - Incorrect Account Status and Responsibility : Although these accounts are joint, I should not bear responsibility for the delinquent status, and USAA has not provided proof of my individual liability. 

- Inaccurate Reporting of Dates : Date Opened, Date of Last Activity, and Date Reported are inconsistent across the credit bureaus and reflect errors in reporting standards. 

- Non-Compliance with XXXX XXXX Standards : Reported fields, such as Account Status, Loan Type, and Balance Owed, fail to meet accuracy requirements, impacting my credit profile unjustly. 

I request a thorough investigation, the removal of these accounts from my credit report if they can not be verified accurately, and a formal response with corrected or deleted items.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I see a recent derogatory remark listed on my consumer credit report as a XXXX XXXX  bankruptcy from XXXX I have confirmed with the court that they do not verify or report bankruptcies to the credit bureaus and I am requesting full and authentic verification of this remark. 
Please verify that this public record is being reported completely and accurately. 
Please verify that that complete and full court name is reporting this. 
Please verify that the full, complete, and accurate docket identifier, bankruptcy type, account ownership type, attorney name, disposition type, disposition date, file date, paid date, and settle date. 

If you are unable to verify any of the requested information requested from the court and unable to provide proof of this verification, I request that you remove this bankruptcy immediately. All dates should be reported fully and accurately to maintain the integrity of my consumer credit reports. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I would like to close my Huntington Business 100 Account. It has a XXXX balance. Unfortunately, after I spoke with a representative on the phone and on chat, they said that I must go in branch to close my account. There are no branches within 50 miles away from me at least, and the closest is over a couple of hours away. I am asking Huntington to simply close my account without making me drive hours to close in person.