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

Since last year XX/XX/2020 I have been requesting Equifax to correct my information on my report but I have not received any response from this company. On XX/XX/XXXX I finally got a live rep who answered the call from XXXX, rep named XXXX. He was extremely unprofessional, very rude and asking me to send my pictuires and credit card info to him, initially he stated his name as XXXX, and then when I asked him to transfer the call to his supervisor, he hang up. Such a horrible, unethical, bad service! 

I was recently notified by a car dealership that they pulled my credit and alerted me of some info which I didn't agree and had no knowledge. So I called Equifax and this rep in XXXX refused to send me a Free Credit report. Instead he was asking me to send my pictures and credit card. I am just extremely shocked at the level of this service and unable to get anything done for months now.
Product: Credit card or prepaid card

I went shopping at XXXX back in XXXX of XXXX. The cashier tried to push a TJX rewards card on me, which I was not interested in. I made a {$40.00} purchase at the register and the cashier had signed me up for the card ( without my consent ). I did not realize this {$40.00} charge was applied to an account that I never agree to open, nor did I ever receive a hard copy of the card or a letter from the credit card company. 

I only found out I owed late payments when I did a credit report in XXXX of XXXX. At that point I called the credit card company, they agreed to waive the late fees and they took payment in the amount of {$55.00} ( which included interest from the principal purchase ). 

In XXXX of XXXX, my credit report was showing more late fees owed. I called TJX card services on XX/XX/XXXX and they said they had record of my call in XXXX and record of the fees being waived. HOWEVER, they are claiming they did not receive my payment of {$55.00}, as the call was conveniently " disconnected '' according to their records. 

This company is fraudulently charging me late fees and is not allowing me to pay my original bill ( which was never consented to nor was made clear that an account was opened with a bill ). They are making it very difficult to resolve this issue, I have spent dozens of hours talking to people at the company, repeating the circumstances, and no one seems to have the authority to waive the {$150.00} of fraudulent late charges. I highly recommend anyone who shops at TJX stores to reject any credit card pushed on them at the register, and also make sure they didn't sign you up without your consent. 

I am taking them to small claims court, I have wasted lots of time on this matter but I refuse to pay 5x the original principal because this company are frauds.
Product: Checking or savings account

Chime aka XXXX XXXX within 12 hours made the determination based on " internal factors '' that my purchases were authorized. 

Chime did not initiate a chargeback on my behalf and simply denied my dispute. 

These were manually keyed transactions and I indicated that several people at the store had access to my card ( this would be probable cause with any other bank. 

Regulation E requires banks to take into account assertions made by customers when looking to assess liability. 

Chime stopped all contact with me since I filed.
Product: Checking or savings account

Claim ID : XXXX I'm XXXX XXXX XXXX. I am also a full-time XXXX  worker. Bank of America has been receiving my direct deposit from the XXXX  ( XXXX XXXX ) twice a month. 

This is the only local Bank of America branch, with the inside recently closed ( sign on door says " temporarily closed '' ). The XXXX  drive thru ATM and XXXX exterior ATM 's are still open. 

My direct deposit hit the bank overnight on XX/XX/22. I went to the ATM and withdrew cash, to be able to pay my rent ( which was already late, and needed to be paid in cash ). 

On the morning of XX/XX/22 I drove back to the ATM, to put some of the cash back, {$1100.00}, so that I could pay my utilities online via my debit card. I need to pay my XXXX XXXX bill asap, as it is part of a " pandemic payment arrangement, '' which offers forgiveness of the past due amount. Otherwise, I will owe almost {$2000.00} in the accrued past due amount, and I'll be scheduled for shut-off. 

Then, the Bank of America ATM ate my {$1100.00} ( all in {$100.00} bills ). 

The screen displayed a message saying " there was an error ... '' and then the most bizarre question, " approx. how much did you deposit? '' I manually entered the amount I deposited, " {$1100.00}. '' Next, the ATM dispensed a receipt, showing I was credited {$300.00}??? The receipt states " We apologize for the inconvenience. We created an issue record that will be attached to your transaction. '' XXXX??? 

What is going on? Where is my money? I work too hard for this. I have been working long hard hours at the XXXX, without complaint. But, I am getting the feeling that the people at Bank of America really couldn't care less, almost as if I'm annoying them. During my last phone call to B of A checking on the status of this claim, the customer service rep " giggled '' when I said I can't afford to wait days or weeks to get this resolved. 

I was told " you should see a credit in two days ... '' today, XXXX days later, nothing. 

I CAN'T AFFORD THIS! I want my money, {$800.00} that I worked for. And I will never deposit cash in one of their ATM 's ever again in life. I can't afford to sit around quietly, when I live paycheck to paycheck. 

What a disaster.
Product: Credit reporting or other personal consumer reports

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  Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( s ) : 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  Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXXXXXX  Correct Social Security Number : XXXX Correct Address : XXXX XXXX  XXXX XXXX, XXXX, South CarolinaXXXX I request that you correct this information promptly, as these errors may harm my credit history and misrepresent my identity, potentially linking me to fraudulent activities. Additionally, I ask that all phone numbers listed on my credit report be deleted, as I have been a victim of unsolicited robocalls. 

Please also be advised that I have formally opted out of any binding arbitration agreements with your company and am prepared to exercise my legal rights if necessary. 

Under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am requesting the removal of any inaccurate or negative information from my credit report. I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Section 605 of the FCRA : This section prohibits the inclusion of outdated information in credit reports. Please ensure that any outdated information not meeting the FCRAs timing requirements is removed. 

Section 623 of the FCRA : This section requires furnishers of information ( creditors and others ) to report accurate information and to verify this information when it is disputed by the consumer. 

Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is using unfair business tactics and reporting erroneous information to my credit report. I opened my Destiny Mastercard account with them around XX/XX/2021. I never received a bill from them therefore had XXXX payment information. I was made aware of the past due balance when I got an alert on my credit that it was 30 days or more past due. I immediately called them and paid my account current. I feel that them reporting this late to my credit is wrong because I never was afforded the opportunity to fix the mistake whether it was mine or theirs. I attempted to compromise with them but never received a call back. I have another account with this company and have always paid more than my minimum and paid it very early I think my account behavior speaks for itself.
Product: Vehicle loan or lease

I did not apply for a car loan I dont how it happen but it was me I dont even have a driver license to legally drive a car I still have my permit this was not me at all
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX : XXXX Upon checking my credit file with your company I noticed that your company has been reporting incorrect information. The Fair Credit Reporting Act states that only fair and accurate information should be reported to a consumer 's credit file. I ask that your company correct this information as soon as possible. The following addresses, hard inquiries, and accounts should not be reported to my credit file, please remove this information from my credit file.
Product: Credit card or prepaid card

I have an Amazon Rewards Chase credit card that i obtained in XXXX when we signed the contract to 19.24 % -27.24 % Variable APR. 

Normally the APR rate depends on the creditworthiness of a person. as an immigrant my creditworthiness increased to XXXX and have obtained 3 cards One for my Business Chase ink card XXXX XXXX XXXX from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  and One this AMAZON Rewards card that has a limit of around {$5000.00} I have a Balance from that card XXXX XXXX  and i am paying regularly every month However last 2 years i asked to Chase to review my card and lower the APR I called them many times to the call center and the supervisors also found that the APR percentage is too high for a good credit score However, despite my applications, i was just sent the same paper indicating i have to pay 27.24 % APR Sadly i do not live this problem with my other cards however i live with just an Amazon Rewards Chase card and as i lost my faith to Chase i stopped to purchase with that card and plan to clean my Balance and decided not to purchase until an official gives me a credible explanation why i have a 27.24 % APR i begin to believe they fixed me and despite i do my best i will get the same result I also went to the branch to ask the same question but they can not give me an answer and also advised the wrong opinion that i was told i have to clean the balance and close the card which will also affect my credit score
Product: Debt collection

Diversified Adjustment Service , Inc . 
XXXX ( XXXX ) Debt collection agency in XXXX XXXX, MinnesotaClosed THIS COMPANY KEEPS CALLING MY CELL PHONE..I HAVE BLOCKED THEIR PHONE NUMBER AND ADDITIONAL PHONE CALL MADE FROM THIS COMPANY WERE SPAM CALLS. THEY ARE CALLING USING TEXAS AREA CODES..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with DEPT OF EDUCATION/NELNET . I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 90, 120 and 150 days past due. Ive never been behind on my payment. I tried contacting the 3 credit Bureaus and the DEPT OF EDUCATION/NELNET but they have provide me with noting tangible, which reflects anything verifiable. There is definitely an error with their part. I was never late on this account. Investigate properly and please update for 100 % accuracy. DEPTEDNELNET XXXX Date Opened : XX/XX/2016 XXXX XXXX : {$0.00}
Product: Credit card or prepaid card

Chase Freedon credit card closed my credit card account on XX/XX/2020 for reasons not caused by me. My address was changed to XXXX XXXX XXXX XXXX, FL XXXX And phone calls were made to Chase as well.as my online login accessed pretending to be me. This was done with my IRS address on file as well as my XXXX XXXX  account. 
I can't get Chase credit card services to get someone on the phone to help. I have emailed and called over and over about this issue. There was no reason for this account to be closed. I was never called, emailed, or sent letters about any suspicious activity on this credit account. I have been charged monthly late fees of {$39.00} plus interest on the charges on the card. 
Chase Card can not just close the account for fraud by another person and not reopen a new account for me. I have been trying to deal with this issue since XX/XX/2020 and I can't get a reasonable response. I filed a fraud report with the USPS postal service and will file a police report if needed. 
Please help resolve this issue. 

My social security number is XXXX Card ending in XXXX
Product: Debt collection

MIDLAND CREDIT MANAGEM is claiming that I owe them {$430.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Checking or savings account

Capital One experienced some type of technical issue that has delayed my direct deposit 2 days and were going into a long weekend with no word of when my funds will be available. I live pay check to pay check, have XXXX children and XXXX dogs that i need to feed over the weekend. Not only that but my car note, phone bill, car insurance & light is all due today and i was not able to pay. This is unacceptable & Capital one does not give me a date or time when my funds will be available to me
Product: Credit reporting

Opening Experian and XXXX XXXX, I had several credit based questions. 
Mainly about a mortgage I Oobtained from a bank that ( I am obviously answering this question incorrectly. In addition to a phone number ... 
I appreciate the security, but I am amazed, that I am unable to obtain my information, about myself..and possible errors created fictiously. 
There is an apparent glitch in this program when it is not programmed to adjust questions accordingly.. I would appreciate any help to freeze my accounts due to the refusal of allowing ME access to MY accounts.. I would like to obtain XXXX credit reports for free Also. I noticed that a credit report advertised, is XXXX. I thought they were free.. 
Please & elp me out here, I appreciate your helpfulness.
Product: Credit card or prepaid card

Respected Officials, Along with {$300.00} deposited into my account on XXXX XXXX rather than XX/XX/XXXX, I noticed that they have paid an interest of {$0.00}. This is quite manipulative scheme. 

This is an update to XXXX and XXXX. 

Collapse transaction for Transaction date : XX/XX/XXXX INTEREST REF PURCHASES XX/XX/XXXX XX/XX/XXXX Collapse transaction for Transaction date : XX/XX/XXXX INTEREST REF PURCHASES XX/XX/XXXX Transaction date : XX/XX/XXXX Card type : XXXX Transaction type : ATM Cash Advances or Bank Transaction Merchant information : XX/XX/XXXX Reference number : XXXX Merchant Name : get more information about merchant name change INTEREST REF PURCHASES Select to Edit the merchant name Transaction Category : get more information about transaction category Finance : Service Charges/Fees Select to Edit the transaction category Online Purchase : XXXX Type Bank Transaction - {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to experian and XXXX  several times trying to resolve an issue within my credit file. My personal information was exposed in several data breaches including XXXX data breach the ost well known. Since my information is in the hands of the XXXX XXXX there are several accounts on my credit file reporting that I never opened and never gave consent or permission to be opened under my name. Most creditors have already resolved the issue for me but there is a few stilll remaining that are not following the law and are not investigating. I reached out firectly and they cant give me any inforation due to the fact i cant answer secuirty questions about the account when it was opened. This is not right and is a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a letter in the mail today which is XX/XX/2019 saying I had requested a US Bank card dated on XX/XX/2019 XXXX This was not authorized by me in any way and under the fair credit act I would like this fraud inquiry removed from any credit reporting agency 's such as XXXX, XXXX and XXXX XXXX If there is any proof or video of me walking into this bank and requesting any credit card I'd be more than happy to see it. But I am 100 % sure I did not do this. 

I went to look at my XXXX XXXX where it shows no knowledge of any of this. I also called up us bank and told them I did not make any inquiries they told me to call XXXX and XXXX. I came on here so I can talk to all parties Involved and get this removed.
Product: Mortgage

On XX/XX/XXXX ( XXXX ) we submitted an application with Discover Home Loans to request a Home Equity Loan. Our credit was pulled  and we met the first criteria. I spoke to their Personal banker on/around XX/XX/XXXX and discussed how much our home was worth to ensure we qualified for enough equity in our home. After discussing this with the banker, we went forward with the application and submitted all documentation online. 

On XX/XX/XXXX, an appraiser came to our home and took pictures of the outside of our home while my husband was standing outside. A week passed and I received word our home was valued {$220000.00}. Approximately {$30000.00} less than the same home up the street from ours which was on the market for {$240000.00}. I asked Discover how this was possible and they informed me it was a brick and mortar appraisal. However, this was not noted to me in the beginning of the conversation in speaking with the personal banker on XX/XX/XXXX. Discover updated our status within their system to requesting an internal appraisal ; however, the next day ( XX/XX/XXXX ) I received an email from Discover that our application was denied. 

I'm beyond confused on how this is possible and the ONLY thing I can understand or comprehend is that it had to do with our race. I am XXXX and handled all communication with Discover.  However, my husband who is XXXX XXXX  ( and standing outside with the appraiser ) was the one who greeted the appraiser. It seems just a bit odd that our credit score of over 740, good credit history, over {$70000.00} in equity, military income with 2 full-time employment salaries could receive a " no '' on the application and a low ball appraisal. 

I have reached out to Discover to file a complaint and have not heard back. In addition, I've reached out to our Attorney General and lastly would like to file a complaint with your office as well.
Product: Debt collection

I had an attorney call today and they refused to take the account off my credit and said they didnt need a contract to put derogatory marks on my credit report
Product: Checking or savings account

I have a checking account with Chime and over the past few or so months to a year I have had disputed multiple transactions due to fraud or unauthorized use on my account. I had filed four different disputes to try and obtain the funds and have Chime credit the funds back to my account but each dispute was denied. Some of the disputes were closed within 24 hours which is very suspicious in my honest opinion. Over {$2000.00} was taken from my account over the past few months to a year. Dispute numbers will be included below, # XXXX # XXXX # XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, after numerous investigations is still showing a collector, XXXX XXXX XXXX ACCOUNT NUMBER XXXX ON MY experian BUREAU REPORT. 
XXXX  XXXX XXXX IS A COLLCTOR, AGENT OR DEBT BUYER FOR XXXX a company who has questionable, perhaps illegal business practices who either knowingly or unknowingly victimiized me.XXXX sold phones and service that could not function in my home and surrounding areas as large as XXXX XXXX, CA, WHERE I WORK and also at my previous home outside of XXXX XXXX. 
XXXX XXXX has a simple plan of theft on the public ... They sell inexpensive service and phones in an area where XXXX dominates the business.The scam is XXXX has insufficient cell towers to provide service, even half the level of service provided by XXXX ( which most everyone has ) .so you get in inexpensive., XXXX appears reputable in advertising, yet the inexpensive service gives dropped phone calls, unintellible conversations, roaming in my own home, interference, static, the wind blows and cuts the call ... ..After talking to experts it is simple.XXXX has an effective scam ... ..the phones, THEIR STORE offices look good but they don't have the cell towers or cell tower leases to allow their phones to function in any normal sense of the word. 
Then when you complain they do not remedy because they can't ... ..They knew they couldn't deliver service when they sold the service to me.. 
XXXX XXXX executives perpetrate fraud on a wide scale where I live ... .they hold my credit hostage to try to collect money for a service that can't deliver..
Product: Money transfer, virtual currency, or money service

PAYPAL STOLE ALL DONATIONS I DID RECEIVE TO MY PAYPAL PRIVATE FUNDRAISER FOR THE AMOUNT OF {$2500.00} I CREATED THE PAYPAL FUNDRAISER A WHILE AGO. AS SOON AS I RECEIVED MONEY THE FUNDS HAVE BEEN FROZEN! AND NOW MY BALANCE IS XXXX!!!! 
PAYPAL IS A CRIMINAL ORGANIZATION AND MUST BE PROSECUTED!
Product: Checking or savings account

On XX/XX/2024, my online savings account with Wells Fargo bank was hacked. 
A man who identified himself as a employee of the fraudulent department of Wells Fargo Bank ( San Francisco main office ) proceeded to take me through the steps to recover the XXXX XXXX dollars ( my entire life savings by the way ). I followed the steps to recover my savings which of course involved ( the scam ) of transferring the money to XXXX XXXX. 
This incident occurred on a Thursday afternoon and shortly after making the transfer of money, I realized I had been scammed. The first thing I did was to show up at my local Wells Fargo bank ( 9am opening ) and report the scam thinking I could stop the scam within 24 hours ( whenever I pay bills etc. using my online account there is normally a 24 hour wait period ) Anyway, here is where this horrific situation takes an evil turn. Wells Fargo for their part told me I could only report the incident if I would agree that it was NOT BANK FRAUD. 
Seriously, Wells Fargo bank, this is how you treat a 30 year customer who just lost their entire savings ( XXXX XXXX ) For the record, I have tried repeatedly to seek help from Wells Fargo to no avail. 
I have home insurance, life insurance, health insurance etc. but who among us has bank insurance. Wells Fargo is the only one that can help me recover my life savings by declaring that this incident was bank fraud and using insurance to replace my money If you have read this far I beseech you to help me out because I have received absolutely no support whatsoever from Wells Fargo. 
At the very least, on line banking is now going to be a problem for people to be scammed out of their money and the banking industry must provide bank insurance for all customers who are using on line accounts Thanking you in advance for taking on my case, I can be reached at ( XXXX ) XXXX or XXXX XXXX