23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My phone was stolen on XX/XX/XXXX and card was compromised the person the person who stole my phone was able to get into phone and XXXXXXXX XXXX themselves XXXX transactions for {$50.00} and XXXX transaction for {$1000.00} I was able to get the phone shut off and filed a police report Police report # XXXX the XXXX said I had to speak with my bank as well I contacted chime the representative was being rude she filled my disputes and canceled my card and the next day my dispute was denied I called back and re submitted the dispute with documents my dispute got denied again i called again and again still no help from them I sent supporting documents and contacted the merchant they investigated and said my card was compromised and I sent the police report and documentation. I will be finding a new bank chime is no help when it comes to fraud they are so rude about it. I ask for documents they still have not said anything to me. XXXX  BANK
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : Unknown Inquiry XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX : Unknown Inquiry XXXX XXXX- XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021
Product: Mortgage

My husband and I were XXXX from bankruptcy in XXXX XXXX. We were instructed by our attorney to begin paying our mortgage with our XXXX XXXX payment in which we did. Prior to this it was paid by the trustees office. In XXXX XXXX we tried to apply for a new air conditioning unit for our home and we were denied. I then pulled our credit report and that 's when I saw that it was being reported late for the month of XXXX or XXXX. That is when I called Bank of America to question this reporting and they told me I need to pay more money to catch up my payment. I asked them how was that possible when I just began paying and everything has been payed as agreed by the trustees office. I requested a payment history from them in which I could not follow because of how they entered things into the system. I had been calling them for months to no avail when we received a letter telling us that our mortgage servicer was changing to another company. We were upset about that due to the fact that we had been trying to fix this problem and it has n't been fixed. I have since disputed the late on my credit report and it was removed but now my new company has reported us late and we have not missed a payment since we started paying in XXXX XXXX. I recently disputed this with Bank of America with a letter to thier dispute department. They have refused to correct this error stating that it is not their error but ours. The response that was mailed back to us stated that they refunded us the money because it was placed in escrow. I have combed through my paperwork and nowhere does it show anything different was applied to escrow other than what was supposed to be applied. Also they stated that we missed our XXXX payment and we did not. They did not receive the XXXX payment because the letter that we received informing us of the transfer informed us not to pay them after the XXXX of XXXX. Since I had not received my paycheck yet, I had to wait until after the XXXX to pay my mortgage. I have even tried to correct this with the new company and they refuse to because it was sent to them with a late status. I have attached all the documents that I believe you will need. We have tried everything and to have your credit be torn down by something that we ca n't control is mind boggling. We have been trying to rebuild our credit and this is n't helping. 

Please do not hesitate to contact me if you need more information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Product: Credit card or prepaid card

My wife and I had two XXXX XXXX XXXX XXXX card accounts ( # XXXX ) and ( # XXXX ) as of the beginning of this year when the accounts, among a few others, were closed on XX/XX/XXXX. Unfortunately, along with this closure, the bank also canceled our credit card reward certificate for the calendar year XX/XX/XXXX, the " XXXX Cash Rewards, '' for the amount of {$1400.00}. When I called Citibank customer service over the telephone they advised me to write a letter to Citibanks Executive Response Unit ( see attached letter sent on XX/XX/XXXX ; attachment titled No. 1 ) inquiring as to why the points we had earned over the course of the whole year prior had not been included in our XXXX Statement. 

I received a responding letter from Citibank Client Services/Executive Response Unit on XX/XX/XXXX, stating that we did not receive the credit card reward certificate because our account had been closed ( see attachment titled No. 2 ). 

This was despite the account being open for the entirety of XXXX ( XX/XX/XXXX - XX/XX/XXXX ), and it being open from XX/XX/XXXX, until the time that it was closed on XX/XX/XXXX. As such, we asked that the rewards issuance be sent to us given that we had been accumulating points for over a year regardless of the account closure, and because the account was closed in XXXX, not XXXX. Furthermore, we had been notified in our XXXX statement that we would be receiving our rewards along with our XXXX statement, in an amount of {$1400.00} which had already been issued ( see attachments titled No. 3 and 4XXXX and XX/XX/XXXX bank statements ). When we received our XXXX statement, our rewards were not included. 

Following some correspondence with the bank, we met with XXXX Customer Service in person at one of the branch locations on XX/XX/XXXX, and were informed that our certificate had actually been issued already and processed on XX/XX/XXXX at XXXX XXXX, and that it was later canceled by Citibank on XX/XX/XXXX ( see attachment titled No. 5 ), which was 4 days after our account was closed. This indicated that the bank proactively took steps to cancel our reward issuance after the fact that it had been processed and after the account had already been closed. 

We are asking for this to be investigated so that you can help us get our earnings back, as our account had been in good standing all of XXXX and our account closure in XX/XX/XXXX should not have affected what we had earned on the account in XXXX. We believe that we are entitled to our reward earnings as long as our account was in good standing for the duration of the year in which we had been earning points and through the first two months of XXXX. 

We would appreciate your attention to this matter. Thank you.
Product: Checking or savings account

Two different deposit amounts for {$74000.00} and $ XXXX deposits show a date of XX/XX/22 on the letter from the prevention contact center from Wells Fargo it reads the funds were held while the review was made and based on the review the funds were now made available on XXXX online access to my account that I was monitoring hourly throughout the day was suddenly blocked and my account was closed or I was not authorized to access the online banking the funds I couldnt see what was going on I was out of the country for the weekend.I found out I didnt have the authority to cash a third party check in my account thru the atm and in order to open my account back up I need to bring the third party in with me to sign or endorse the check to me in the presence of a teller case number # XXXX noticing a discrepancy in the amounts and once I was able to regain online access I tried to request statements but they were not ready and then the sudden death of the party I was just in the bank with clearing up the endorsement issue caused me to set aside the documents I still seek clarification on I would like to know what happened to the funds that were made available during the time I was unable to get any access to online banking and my debit card was deactivated so please let me know
Product: Credit reporting, credit repair services, or other personal consumer reports

I was on the phone today for over an hour trying to resolve this they were incompetent saying they were reporting me on time I was transferred about 6 different times finally the last person was like oh yeah were reporting incorrectly but said she couldnt fix it needed to transfer me to another person she then transferred me to a disconnected number very rude and Unprofessional. They have been reporting incorrectly since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I challenged an account shown on credit for 3-4 months through link provided by XXXX XXXX site. The account was XXXX XXXX ( XXXX XXXX XXXX ) in amount of {$290.00}. My reason for dispute was account not known. I checked my scores with XXXX  on XXXX and was delighted to see this account dropped off my report. XXXX  provided me with a link to see how my credit changed as DIRECT result of removal. I was horrified to see Transunion dropped a huge 22 points from score ; while XXXX  increased score by 15 points. I contacted Transunion again today for explanation and the rep told me you dont have enough credit cards and loans. I have been paying on 2 XXXX XXXX XXXX ( early ) since closing them, and a loan from XXXX XXXX ( early ) for 9 months ; just refinanced because of perfect payment history. XXXX XXXX shows stellar payment history from all closed and open accounts. 

The last XXXX XXXX XXXX  was closed XX/XX/2020 after XXXX XXXX dropped my limit from {$1500.00} to {$600.00} though I had perfect payment history ( Covid-19 related ). Why didnt Transunion drop 22 points then instead of waiting until XX/XX/2020 if that was an issue. 

This is crucial to me, as my landlord for 11 years is selling my home after XX/XX/2020. I am senior citizen and in process of obtaining a mortgage loan from USDA. 
If that doesnt happen because of Transunions error I will be homeless. 

Please help me resolve this matter. Many many thanks.
Product: Debt collection

On numerous occasions, I have received repeated, nearly back to back phone calls from this number. When I answer, no one is there, I hang up, the number calls again, and again.
Product: Debt collection

In XX/XX/XXXX, I received an alert on my locked XXXX credit file that my credit score had dropped by 100+ points. This was very shocking to me because my credit score had always been over 720. Upon review, I saw that XXXX XXXX XXXX 's collection agency had placed me for collections despite my not having any relationship with XXXX XXXX XXXX. After contacting the collection agency, they informed me that an account had been opened in my name in XX/XX/XXXX with a charge of {$1400.00}. This appears to be that XXXX XXXX XXXX allowed an account to be opened with only basic information ( Name, Address, SSN only ) and no other authentication like driver 's license or credit card, no credit report pulled, and on terms with no upfront payment. In addition, they told me that they sent invoices to XXXX w hich is not my email address. 

At this point, I filed a police report with the XXXX XXXX XXXX. police and an identity theft report with FTC. In addition, I filed a dispute with XXXX, XXXX XXXX, and XXXX XXXX XXXX  providing XXXX XXXX XXXX with the affidavit, proof of residency during the claim, police report #, and FTC complaint #. Despite their inability to provide any proof of delivery of products or services ( at {$1400.00} I am almost positive that they left someone to purchase a phone on terms with no credit report pulled ), they rejected my claim because I did not submit the police report. Upon contacting the police for the report, they told me that they do not provide full police reports and that XXXX XXXX XXXX needed to request that from the police. I feel like I am going in circles between the credit reporting agency, XXXX XXXX XXXX, and the police. 

My next step is to threaten them with a lawsuit and I am contacting my House representative who I know personally.
Product: Credit reporting or other personal consumer reports

Greetings and Blessings from the Most High God, After numerous requests to XXXX  XXXX to DELETED my account from my credit on account number XXXX. As agent to the principal in this matter, XXXX XXXX XXXX as a federally protected employee has the inalienable right to privacy, under the FCRA 15 USC 6802 as well as the Privacy Act of 1974. XXXX XXXX is committing identity theft and fraud upon the good name of XXXX XXXX XXXX. The continued reporting of this account is causing damage upon our good name this actions need to cease. Therefore, I am formally and permanently revoking and opting out of ALL XXXX XXXX XXXX XXXX XXXX authorizations, I the consumer XXXX XXXX XXXX may have given, written, unwritten, verbal and non-verbal per 15 USC 6802. Please revoke any Power of Attorney, XXXX XXXX XXXXXXXX XXXX may have filed on my behalf. Data furnisher verified is unacceptable and will result in arbitration for ALL parties involved in this fraud
Product: Checking or savings account

This is on going with the identity theft I've had going on.my XXXX unemployment goes into us bank XXXX account on Sunday the XXXX of XXXX person or group tried to take money out on that account.the bank was able to stop this XXXX but XXXX XXXX still neg over XXXX .the name of violators was XXXX XXXX XXXX  so the fraud person at the bank and I decided to close that card down and reissue another one.my phone has been hacked .this is XXXX  me so bad I don't know what to do XXXX about to get water and power turned off XXXX XXXX mo behind on my rent .theirs no help for me XXXX trying so hard .I may get edited they have hit XXXX bank accounts to difrent state unemployment agencies. My taxes are being held up from XXXX their any help for me.i was apart of XXXX  data breach but I can't find any help.if anyone knows how we could get a grant to have resources and advocate for victims. I think we should fight to get this out because I'm XXXX  and theirs no help ..this should be covered under health insurance as prevention of mental health because its a real thing.anyone that would help myself and millions of XXXX need help
Product: Credit reporting, credit repair services, or other personal consumer reports

X/XX/2017 X/XX/2017 I 've contacted all 3 credit agencies in regards to validating the U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The Bankruptcy Court mailed me a letter which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the U. S. Bankruptcy Courts confirmed XXXX, XXXX and Experian Credit Bureaus has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly.
Product: Debt collection

Hello my name is XXXX XXXX. Firstly, Im a XXXXXXXX XXXX  worker and unfortunately, Im dealing with XXXX XXXX XXXX  caused by my Comenity Victoria Secret account Ive brought this issue up to Comenity before to have them make an adjustment to me credit report but to no avail. 

I missed a small payment due to XXXX XXXX XXXX, all the while I thought I had setup auto payment with Comenity. 

This caused me to be XXXX  days late, however Comenity is reporting conflicting information across the XXXX bureaus, on XXXX theyre marking me late for XX/XX/XXXX whereas on XXXX Im marked late on XX/XX/XXXX, thereby giving the impression that I was late for both months which I was not. 

I am requesting that all the XXXX late payments be removed from my credit report, Im unable to refinance my home due to this, Ive attached a copy of my XXXX XXXX  with this complaint. 

Account information : Account XXXX XXXX XXXX XXXX. 
Opened : XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ). 
Account status : Paid and Closed. 
Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

My name is incorrect on my credit report. My name is XXXX XXXX XXXX. The address listed on my credit report or incorrect. The only address that should be on my credit report is XXXX XXXX XXXX XXXX, XXXX  XXXX
Product: Debt collection

On XX/XX/XXXX I was called 4 different times from this company ally bank, 2 of the calls were within an hour and a half of each other. I've gotten multiple calls late at night. 
From XX/XX/XXXX to XX/XX/XXXX I've been called at least 14 times. I will attach a screenshot of the calls received.
Product: Debt collection

In XXXX I received a statement for a medical bill from XXXX for around {$420.00}. This bill was for a XXXX XXXX my daughter following a XXXX XXXX. The doctor had me sign a document at the time confirming they would bill me separately and informed me the XXXX  generally cost around {$50.00}. To my surprise, the bill was over {$400.00}. 

I called XXXX after receiving the bill in XXXX and asked to set up a payment arrangement. The advisor confirmed a payment plan was set up for {$78.00} a month. I made a {$78.00} payment in XXXX. In XXXX, I did not receive a bill outlining a new minimum payment. I called in XXXX after realizing I never received an updated statement. In XXXX, the advisor informed me the prior advisor did not set up a payment plan, apologized, and confirmed she would set up a plan for {$60.00} and stated I needed to make the payment by my payday as promised. She confirmed I would receive a statement outlining a new minimum payment and due date. I never received a statement with this information. I went ahead and paid the {$60.00} payment in XXXX and XXXX online with the understanding my account was now on a payment arrangement. 

On XX/XX/24, I received a letter from a Benuck and Rainey Inc, a collections agency stating I owed a debt for {$290.00}. I did not recognize the company who was listed as XXXX XXXX, or the amount so I called the collections agency. They informed me this was a bill from XXXX. Despite doing my due diligence and calling on multiple occasions to set up a payment plan and making XXXX payments, XXXX sent my account to collections. 

This practice is unethical and unacceptable. On top of billing exorbitant prices on a medical product that was misrepresented at the time it was received, theyve also not honored their own payment plan, they have lied, and misled me as a customer. 

I called XXXX today and spoke with an agent who had the audacity to tell me this bill was sent to collections because I made my payments online and not over the phone and phone payments wouldnt work for a payment arrangement. Which no one ever informed me. How would a customer magically know this? This is consumer XXXX  to a family who was doing their due diligence to make payments on a debt. XXXX has exhibited unethical billing practices and these actions should be illegal. XXXX should be required to honor their commitment to a payment plan even if they provided incomplete or incorrect information to consumers. 

XXXX informed me today that they would be doing nothing and I needed to make my payments to the collections agency. This is gross misconduct and the company needs to rectify their error. Their agents misled me, did not fully inform me about their payment plans and flat out didnt set them up. 

The company needs to remove my account from collections and once its no longer in collections, I will pay it off right away so I dont have to deal with this shady company who seem perfectly content with customer financial abuse.
Product: Debt collection

I have been contacted and verbally abused by representatives from Pro Collect. Numerous times I have told them I am not responsible for the debt and asked for information about the account. I have been berated and falsely accused of owing money and was told that they would continue calling me every day until I paid. When I asked to speak to a supervisor I was told they would not connect me to a supervisor and would note in the account that I refused to pay. When I explained that I'm contacting them for information on howI can resolve this matter I was hung up on. The rep continue to call me by my incorrect name even after repeating several times to her that I was not the person she was looking for.
Product: Credit card or prepaid card

About a year ago, I started having issues with my American Express accounts online. I was having to change my password constanly due to it not recognizing it. I would write it down to what I changed it to and their system would accept it, yet when I try to use it days later, would not!! I finally had enough of the issues and called them and spoke with the tech team. That sat with me on the phone while I changed my password for the 15th time within a few months. 

Finally they made me remove special characters and make my password more simple!?!? It worked and has worked since but I'm trying to figure out how a credit card company is making me have the weakest password possible in order to fix their error messages!! I do NOT feel like my account is secure any longer and would like them to fix this issue but they did not seem to have any intention on doing so.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. These collection accounts are reporting not only as OPEN, but also shows a past due balance of {$1400.00} & {$180.00}. According to FCRA, I have the right to an accurate credit report. Please remove these accounts immediately from my credit report. Please provide me a copy of my new credit report reflecting these accounts removed upon completion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

by law, under the FDCPA, a credit reporting agency must make sure, without a shadow of a doubt, that ALL information being reported is accurate and precise so that the consumer is being protected and provided for. my information is private and is NOT TO BE SHARED unless i consent to it!! In order for any consumer reporting agency or 3rd party debt collector to use ANY of my private information, they must have several things on file ( 1 ) MY WRITTEN CONSENT SIGNED AND DATED ( 2 ) AN SSA XXXX FORM ( XXXX ) THE CONSENT FOR RELEASE OF INFORMATION FORM and the DEED OF ASSIGNMENT, also the FULL ACCOUNTING FROM BEGINNING TO END OF THE ORIGINAL CONTRACT WITH A WET INK SIGNATURE AND NOT SOME STATEMENTS OF ALL VITAL INFO. IDENTITY THEFT HAS BEEN COMMITTED AND FALSE REPORTING WITH MULTIPLE LAWFUL VIOLATIONS. just a few for complete clarity ; 15 usc 6801, 6802 and 6803. probably the most important statement in this correspondence is MY WRITTEN CONSENT and 15 usc 1681 ( c ) -2, IDENTITY THEFT. Everything pertaining to credit worthiness is centered around the Social Security Number, so in conclusion the Social Security Administration governs my information according to the 2 items i specified above and Congress governs ALL LAW