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

I am writing regarding Claim # XXXX in the amount of {$3000.00} on my checking account XXXX. When I opened this claim on XX/XX/XXXX, i was advised by Bank of America that my account would be credited within 10 days. I explained to Bank of America that my mother had placed an order for an item that was never received and this business, XXXX New York, subsequently filed for bankruptcy and is now permanently closed. Given these circumstances, I asked Bank of America 's representative to notate my claim accordingly so that the Claims Department would be aware that this business is no longer operative and unlikely to ever respond or cooperate in returning my funds. 

Last week I was informed that I would not receive any credit until at least XX/XX/2020. Bank of America is asking that I wait nearly three months to recover my funds. I have incurred fees and returned checks as a result of this. Please assist in resolving this matter. Thank you
Product: Money transfer, virtual currency, or money service

My account was compromised. I initially XXXX  search chime customer service, in order to contact chime regarding questions & help with my account. 

The recipient on the other end was infact a scammer although they had all the chimes bells & whistles that one would incur calling chime. Even had account details. 

I was asked to download a mirroring app to help assist me with my account. Still thinking that Im on the phone with an actual chime agent I did so.. 

Within a matter of 30min if that, I had {$5000.00} removed from my account. This happened XX/XX/2024 I contacted chime with ( REAL ) actual chime number IMMEDIATELY. Along with filing a dispute IMMEDIATELY. Explaining to the agent what just happened to me. 

Chime says that they are doing a dispute. I dont feel as if they are truly helping me get back my stolen funds. 

I am a single mother of XXXX. I work very hard for my money & had plans on paying shelter/food groceries & bills with my money. It was my tax return that was taken away from me within a blink of an eye. I feel as if Im at a loss & dont know what Im going to do. 

As of today XX/XX/2024 Chime is still of no help to me. No one I talk to will provide me any information to my dispute. I feel as is I am being treated like the Criminal as opposed to the Victim at this very moment. 

I have filed a dispute with chime requesting that the transactions that was stolen from my account be cancelled & returned back to me. On XX/XX/2024 I have filed a complaint with the XXXX  on XX/XX/2024 Ive filed a police report with my local police department on XX/XX/2024 I have filed a fbi report online with ( XXXX ) on XX/XX/2024 Along with filing my complaint with you ( Consumer Financial Protection Bureau ) today XX/XX/2024.
Product: Money transfer, virtual currency, or money service

Account was frozen on Gemini exchange. Been over a month. Didn't unlock my account even after providing all the necessary documents. Ticket ID XXXX.
Product: Debt collection

I has Progressive XXXX and a few months into my policy they doubled my rates so I called and cancelled my insurance because I could not afford it. They continued to bill me after cancelling. I called and told them I cancelled 2 months before. They told me I needed to show proof I had other ins at the time I cancelled, but they did not say that on the phone the day I cancelled. It took me about a week of shopping around to find other ins. They refused to cancel and sent me to a collection agency. I explained to the collection agency that Progressive continued to bill me even after I cancelled and the lady as extremely rude and continued to repeat " how do you want to pay for this ''. I finally just hung up. I called back and asked for the purchase agreement or any information they have and aside from the first bill they sent me in the mail they have never sent me anything else. It should be illegal for a company to continue to charge you after you cancel with them.
Product: Debt collection

the credit bureaus XXXX, XXXX, XXXX  has been defaming my character and reporting false consumer credit transactions without my consent. I am a victim of identity theft and request these account be blocked from my credit file i have provided documents of identity theft and based on the consumer reporting agency and the fair credit repoerting act i need these action taken immediatley
Product: Credit reporting

XXXX And Expirian  they reporting XXXX credit inquires on my credit file i only apply one time to XXXX on  XX/XX/XXXX, 2015 since then i never apply for anything.
i contact XXXX credit bureau's  in writing on the phone and fax they told me to contact the original creditor which i did but they never responded to my letters or phone calls they always telling me they will look into it after trying everything that i can but no one want to help me those inquires belong to someone with the same name or mix into my file please try to help me with it
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX XX/XX/2024 My social security number has been compromised from the social security breach that occured in 2024 access to the XXXX XXXX XXXX XXXX
Product: Student loan

i was attending college at XXXX and XXXX. at the time the only loans i could get was thru XXXX aka navient and that is with my mom as a co-signer on XXXX of the loans i took out. once i stopped attending college around XXXX my debt to them was roughly XXXX, i couldnt make the payments they wanted me to make pretty much forced forbearance unto me. in XXXX i decided to try to finish school by attending an XXXX so i could continue working full time. by XXXX my " in school forbearance was up '' and they said i had to start making payments of that time the debt was roughly around XXXX. i advised them i couldnt make the {$900.00} payments and offered to make payments of roughly XXXX given my income and the needs of my son and they only solution they could offer me was another forbearance, no income base program no nothing. they had it listed on some of their documents and website that during any forbearance i could make {$25.00} to keep the interest off. During the winter of XXXX early XXXX i was informed i was no longer able to take anymore forbearances and they would accept payments no less than XXXX a month for a debt of XXXX. in just 3-4 years it doubled. because of this jump i had to move in with a friend instead of keeping my own place where my XXXX son could come and visit to try to swing any amount of money i could to try to make the payments. I made roughly 3-4 payments of XXXX the best i could do still wasnt the amount they wanted however. after realizing i would be homeless if i kept it up i filed for chapter XXXX protection to stop being hammered by their outrageous interest rates because private student loans couldnt be wiped clean or reduce using a chapter XXXX once they found out i was going into chapter XXXX they attempted to do an IBR but it was still in the ball park of XXXX dollars according to them. i proceeded to file chapter XXXX because it was the only way to escape their XXXX plus calls a day starting roughly XXXX and ending sometimes at XXXX. it also prevents per my attorney from adding on any interest to it though i suspect once chapter XXXX is over in 5 years im sure they will be waiting to add on another XXXX easily. because of all the interest that has been tacked on i am unable to buy a house or buy a car anymore because of income to debt ratio. because of these loans i have to work my self to death just to try to provide for my son and also to make sure my mom doesnt inherit any of these loans.
Product: Payday loan, title loan, personal loan, or advance loan

I was out of work due to medical issues and filed several requests with them and only 1 was approved all else were ignored and emails went unanswered. 

Also they have not reported the one pause that I received to my credit report and they also have the incorrect loan amount and balance paid on my credit report and the outstanding amount is wrong. I put a down payment of over {$900.00} and they have not reflected any of that payment onto my credit report. I have filed numerous complaints with them and experian and they have not changed it. Paid to date on on the screenshot it's not reflected on my credit report.
Product: Vehicle loan or lease

My auto loan is through Bridgecrest and I do not receive monthly statements, only " recent activity '' is shown on my account. Recently I noticed that my payoff number, for my car, is {$2000.00} higher than a week prior! However, since they refuse to send actual statements, I have no idea why this happened.
Product: Credit card or prepaid card

I have been patiently waiting on CAPITAL ONE 's response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous account reporting on my Credit Report : ( CAPITAL ONE XXXX )
Product: Credit card or prepaid card

Overcharged financing. After XXXX minutes on the phone with a rep who barely spoke English she could not give me a reason why I was charged 24.75 financing on a card account with a {$25.00} balance. One purchase of {$25.00} with a financing rate of 19.9 % should n't accumulate a {$24.00} financing. The reason she kept giving me was its a " Daily Variable Rate ''. So I paid it ( {$49.00} XXXX just so I can find a new credit card company and not have to deal with them.
Product: Debt collection

My name is XXXX XXXX XXXX. I received the attached letter from Wells Fargo, I am requesting that I do not get any phone calls and to communicate in writing only on this matter. They make mention of an account ending in XXXX and while I do have Wells Fargo accounts I do not have one ending in XXXX. I never had nor called to close an account ending in XXXX. Please see the attached letter from Wells Fargo.
Product: Student loan

I had submitted a deferment, and forbearance application which had been approved to a company named Nelnet. After it was approved my loan was " transferred '' to another loan servicing company named XXXX which in turn had not registered my loan. They reported me defaulted, which in turn off set my taxes for XX/XX/XXXX-XX/XX/XXXX. When I contacted Nelnet XX/XX/XXXX, they stated that they are no longer responsible for my loans nor what they reported to the credit bureaus.
Product: Student loan

In 1996, I graduated XXXX Iowa. Six months after my mother who raised me on her own, passed away. XXXX informed me due to hardship I could take a forbearance. I was told all that would happen is I would be able to wait until I started my payments on my XXXX loan. I was surprised when XXXX told me I needed to start paying off my now XXXX loan due to interest accruing. It has been 20 years and I am finally back to the XXXX original loan. This loan has caused me and my wife the inability to not move forward with the house we would like to purchase. XXXX/Navient has put financial straint on my life due to them taking advantage of me during a tough time in my life.
Product: Debt collection

I called your department after I purchased a credit report with XXXX  on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were COLLECTION account on my credit report. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud account on my credit report all this time, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with this account listed below, so please help me remove this collection, including this incorrect information from my personal profile. A copy of my Utility Bill and drivers License are all included in this written request. Please help me resolve this issue as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX SXXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Report Number XXXX Date Generated XX/XX/year> Based on contract the mutual consent the consideration and legality has not been met we did not have a meeting of the minds we did not come together to negotiate a deal XXXX Equifax and XXXX when I turned XXXX they started reporting/recording my personal information without my personal consent which is a violation of consumer law based on FCRA 15 USC 1681 ( a ) ( 4 ) which I have a right to privacy. As Stated, before this was done without any offer without any expectation or consideration. They the big 3 credit reporting agencies have been gathering info and money in my name without any consideration to me this entire time.

The legality is the consumer reporting agencies have a duty to follow the FCRA we demand that all negative adverse info be removed/deleted from this consumer credit report due to a simple violation of the FCRA as stated before 15 USC 1681 ( a ) ( 4 ) to remove all late payments, charge offs, repossessions, all balances, collections, inquiries, utilizations any adverse information because as the consumer it is my right to privacy.

Above is the date generated where I contacted them and here is the report number is above as well and this was never satisfied this not only is an invasion of my privacy it is also identity theft that they are making profits off of my name and personal information without compensation. 
Respectfully XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Finally, after multiple complaints, Resurgent Capital Services and LVNV provided proof to the CFPB that XXXX XXXX, XXXX XXXX XXXX, is reporting me for fees and interest in the amount of {$420.00} and {$9.00} in undocumented charges. XXXX XXXX XXXX and XXXX only respond to CFPB inquiries, never to my mailed direct inquires to them. Since I have not record of the {$9.00} in charges, how can I owe {$420.00}. Even if this is in accordance with some document I have no record of agreeing to, how can this be a fair credit practice?
Product: Debt collection

Received letter from XXXX XXXX XXXX representing XXXX XXXX XXXX XXXX claiming I owe {$19000.00} to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I notified the credit bureaus of this and they told me they had no record of the originating account only the information from XXXX XXXX on XXXX never received information on owing these funds.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. Despite our previous attempts, I regret to inform you that the late open accounts still persist on my credit report. 

I kindly request that you prioritize the investigation and resolution of these late open accounts, ensuring that all necessary steps are taken to correct this issue in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. 

Moreover, I would appreciate regular updates on the progress made in resolving this matter and a clear timeline for when I can expect to see these discrepancies corrected on my credit report. 

I understand that resolving such issues may require time and effort, but I urge you to handle this matter with the urgency and attention it deserves. Your assistance in rectifying these discrepancies is crucial to ensuring the accuracy and integrity of my credit information. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX. XXXX XXXX Balance : {$6400.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 

XXXX. XXXX XXXX* Balance : {$1100.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX. XXXX XXXX* Balance : {$2200.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX. XXXX XXXX Balance : {$6200.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX. XXXX XXXX Balance : {$2500.00} - I demand immediate confirmation of the payment history and status of this account. Your records are not consistent with my own and I believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. I demand a thorough investigation and prompt correction of any errors to ensure legal and lawful accuracy. 

XXXX. XXXX XXXX Balance : {$2500.00} - Please take off the late things from this account because I think I made my payment on time. 

XXXX. XXXX XXXX Balance : {$6200.00} - I do not believe I was late on this account you are reporting. Please report the payment status positive and update all late reporting on this account.
Product: Credit reporting

Hello my name is XXXX XXXX. I applied for my credit report on line from Annual Credit Report.com. I filled out all of the information sheets. XXXX and Trans Union wanted a questionnaire filled out of personal info I should known. I filed the form out and XXXX refused to give me my on line report XXXX wanted me to write in for the report. I fill they are discriminating and would like to file charges. Please follow up so I 'll know what to do how to file.
Product: Credit reporting or other personal consumer reports

They are still showing XXXX XXXX XXXXXXXX on my account and this account does not belong to me
Product: Debt collection

I have disputed this charge multiple times because I never opened this account. I was never even aware of it until it was a negative on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an error, discrepancy, and unrecognizable account that is appearing on my Experian credit report.
Product: Credit card

On XX/XX/XXXX I returned a set of items to XXXX XXXX XXXX using the XXXX label provided by them. Fedex label with tracking number XXXX. 

Tracking shows that merchandise was sucessfully returned on XX/XX/XXXX. Despite me following exactly the steps requested by the merchant, merchant refuses to refund me for merchandise. Amex is also not supporting me despite all the information I've provided.
Product: Checking or savings account

On XX/XX/XXXX I received a text message from PNC alerting me that they suspected fraudulent activity on my card. I replied to the message ASAP stating that the charge was wrong and that it should be flagged. I think called a few hours later just to make sure everything was taken care of and that my card was cancelled. 

I was assured on that call that the card had been cancelled but that since the charges were still pending I would have to wait and see if they actually went through before further action could be taken. After that I received weird emails in my inbox directly from XXXX stating that orders had been shipped. I immediately called XXXX stating that these orders were made fraudulently and that they need to be cancelled. I looked at my PNC account it looked as if there were 15 separate charges of {$300.00}. All from XXXX and all including the exact same product. They said that since they had already shipped there was nothing they could do about it. 

I then proceeded to call UPS, who they said they were being shipped by to cancel the shipment and send them back to XXXX as I did NOT want these products. They said there was nothing they could do on their end as the shipping process had already started. 

Once the charges formally hit my account I called the bank to file the dispute and then received a provisional credit a few weeks later. Then, Friday, XX/XX/XXXX I received a few letters in the mail stating that XXXX of the charges were found fraudulent but the other 12 were not. I don't understand how if all of these charges were made at the same time, for the same order, for the exact same amount how a few could be found in error but the others could be ruled as intentional. 

We did NOT make these purchases and did everything as we should have as consumers to take care of this back when it all happened. We have talked to multiple people at the institution and no one can provide us a rational reason as to why this didn't get approved and they are also unwilling to help us fight this to get our money back.
Product: Credit reporting or other personal consumer reports

I am refiling this complaint to EXPERIAN for allowing fraudulent accounts on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate accounts are still reporting on my credit report and no further actions have been taken. 

For the account of XXXX XXXX, I paid before the due dates last XX/XX/XXXX and XX/XX/XXXX and I know for sure that I paid on time, please provide the proof of payment that I were lates and the amount you received. 

For the account of this account is now XXXX XXXX being handled by the XXXX XXXX XXXX XXXX With that being said, I am not liable for any payments on this account or to any double payments
Product: Mortgage

I contacted my mortgage company on XXXX to ask what my options were regarding modifying my mortgage. I spoke with XXXX in loss XXXX and she suggested that I apply for a Covid Forbearance since I had lost my previous job and then apply for a mod. It was my understanding at the expiration of our call that the Forbearance had been applied for. I called back on XXXX to obtain an update and was told that the Forbearance was never entered into the system. At that time XXXX stated that she would enter the Forbearance and I requested a call from a supervisor to file a formal complaint and to get an understanding as to when I would hear back about the request. I never heard back. I called back on XX/XX/XXXX and was told that it was still under review and that a manager would call me back from loss mit. I never heard back. I called again on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX only to be given the run around once again. I can not get anyone from loss mitigation to call me or to answer any definitive questions regarding the request for a forbearance. It ridiculous to have to call back so many times and not I feel like they are just giving me the run around. I then requested the number or email for the regional bp or district manager and was told they could not provide that information..
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I seem to have XXXX hard inquiries on my credit report that I do not recall ... 
XXXX is from XXXX XXXX on XX/XX/XXXX and the other from Trans Union on XX/XX/XXXX. 

Please let me know how I can go about it. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX / XXXX / 17  I called TransUnion to dispute addresses and incorrect spellings of my name or names I have never gone by and upon completion of the call the representative stated he had removed all addresses besides my current address and I would receive the update  in 5-7 bus iness days. On  XXXX   XXXX ,    2017  all the addresses were still there as well as the names I asked him to remove due to being incorrect/never associated with. So when the new report was received and I saw the information was still there, I called again and the representative stated that the copy I was looking at was old and another copy would come and that the had updated everything. I received the new copy today  XXXX / XXXX / 17  and it is still incorrect.