23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Upon receiving my statememt I saw charges made on my XXXX XXXX XXXX  that were made without my permission and in XXXX, Again I did not use or authorize purches made on or around XX/XX/2022 & XX/XX/2022 in XXXX these charges are fraud not made by me. I reorted my card lost.
Product: Checking or savings account

Re checking account of Bank of America Before I decided to close the checking account of BOA, two client managers double confirmed with me that there would be no fee charging with the account. But after that, there was XXXX XXXX  been charged each month. Then I called the bank, the staff told me that I can close the account to avoid the fee. And the money in that account would be come out by check around 12 business days or collect it at the counter. I chose to have the mailed check. But I never received the check, I called 5 or 6 times, the staff only told me to wait, it actually may take 60 days for processing this. And its already been 6 months, I never received the check. I think I have been misrepresented by the bank managers for many times. So at least, I deserve the chance to collect the check at the counter now. They just told me the only way for me is to wait for the check mailed. And if I can not receive it, they will do the same process again. This doesnt make any sence, why a client by cheated or by told wrong information by the bank that can not collet their money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX & TransUnion Credit Reporting keep reducing my credit scores without any adverse issues or credit activity. Not more than a few months ago all three agencies had maintained my credit score in excess of XXXX. Most recently XXXX  has reduced my credit score to XXXX ; TransUnion reduced the score to XXXX while XXXX has reduced my score to XXXX from XXXX less than 30 days ago. 

It appears, that unless I take out more credit or buy into their online services they ding my credit score.Other wise I have one of the cleanest credit histories you would find. 

I have contacted XXXX  and they sluff me off without any explanations. 

Can you please look into this matter at your earliest convenience. 

XXXX XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

FCRA 605B necessitates us to eradicate any flawed accounts from my credit record. Can you verify the documents? Some of the recorded accounts are erroneous in terms of reporting, with inaccurate amounts and dates reported.
Product: Debt collection

I had a credit card with XXXX  which is under XXXX XXXX XXXX. The account was charged off in XXXX and was assigned to XXXX XXXX. I was offered a settlement in exchange for a pay for deletion. After resolving the settlement of {$830.00} on XX/XX/XXXX, I waited a few months to check my credit report for the deletion only to see the account balance was updated to {$0.00}. Til date, it has not been deleted from my report ( see attached ).
Product: Student loan

Over the past 9 years my family has been paying the loan off the best we can with the economy. Our payments were current until Covid. Navient company has been harassing me XXXX XXXX XXXX XXXX XXXX and grandparents XXXX XXXX and XXXX XXXX XXXX. My grandfather XXXX XXXX XXXX has been diagnosed with XXXX. 2-3 months prior to this diagnosis Navient had called us multiple times and asked for payments that I informed them that we could not pay. I removed my grandparents number from the account profile so that they wouldnt be called but they were still called. I ( XXXX XXXX XXXX are homeless and cant pay and have told Navient this. Please stop the calls, at least to my grandparents
Product: Debt collection

XXXX XXXX was the original lender. I currently have a new credit card with them now too. I paid the amount previously owed on a credit card I use to have with them. 
The 3rd Party Collection Agency Midland Security took over the loan. I called them over the course of a year, after they placed the collections back on my account, when XXXX XXXX removed it. 
I finally called XXXX XXXX to verify everything, and they confirmed it was in fact taken care of, and reached out to the 3rd Party Collection Agency Midlands to clear this matter up. Its now been removed from two collections agencies with the exception of XXXX, and my score is significantly lower only on this one credit report because of this collection. I want and need this removed, as it has been paid, and has been verified.
Product: Credit card or prepaid card

This company has closed my account yet is ACTIVELY STILL reporting monthly the collection on my credit report in an attempt to harass me into payment ... a violation of the FCRA.
Product: Money transfer, virtual currency, or money service

Today XX/XX/2022 I received a spam phone call recording from what was said to be XXXX XXXXXXXX ( my current electricity supplier ) I was told that if I didn't pay my past due amount that my electric would be shut off. With summer here and temperatures rising and my XXXX  children in my apartment I immediately agreed I would have to pay it today to avoid shut off. I was past due on my electric bill so it was very believable. The lady instructed me that I could not use a debit/credit card to pay that it would have to be an immediate pay today through XXXX  to insure I would not get shut off. She explained I had to pay XXXX for last month 's and this month 's past due balance including late fees I explained I could only pay the past due and late fees. She prompted me to send a XXXX  payment to XXXX XXXX bill pay at a specific number stating it was my meter number. After payment she came back on the line and stated that she was told I have to pay the full amount the past due balance wasn't sufficient enough. At that point I became irate and looked online at my bill and it stated I was past due but only for XXXX and was not in a threat to be shut off. I confronted the lady asking what my account number and address on file was and she had the wrong information, at that point I knew I had been scammed. I immediately contacted huntington bank to let them know what happened and am hoping the charges of XXXX get reversed
Product: Credit card or prepaid card

Back in XXXX of 2021 I had made a consumer purchase with my OPORTUN credit card. I had purchased clothes on XX/XX/2021 at XXXX in XXXX XXXX, Mi, and due to covid I was not able to try these items on. After I returned home I noticed that all of the items ( jeans, leggings, and sweaters ) were damaged down seemliness and not sellable merchandise. I returned to the store with the items for a refund, and the sales clerk stated that they were unable to provide me with my purchase amount of {$66.00}, and although the company kept this items and still refused a refund this credit card company is still refusing to return funds to me. I called the company and explained what happened, and he said that everything would be taken care of. All I received were letters asking me to provide the same information to them that I did over the phone. That information was emailed 3 times, mailed 4 times and I have left messages with the XXXX XXXX and never received a call back. I then received XXXX letters in the mail saying my dispute was closed, so I sent them another letter with all the information, only to receive the same " further information letter '' that requested the information I have continuously provided them. I am continuing to be ignored and would like to pay my balance and close the card, but am not willing to pay that transaction amount. Attached is my most recent compliance with the company, along with the confirmation of the fax. 
I resubmitted this claim a week ago with the same information that they keep requesting and stating I'm not providing with an additional fax confirmation. I'd like my money back along with all interest charged as a result due to them reporting this amount as owed to the credit bureau during my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and the following accounts are not my responsibility XXXX XXXX XXXX, XXXX, The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a home.
Product: Credit reporting

There is a public record entry that was placed on my credit report and I have been trying for over three months to get this incorrect entry removed. I have spoken with numerous representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get this inaccuracy rectified. This is my fourth attempt to dispute this item in which I have not received satisfactory results. 
On XX/XX/2017 I mailed a notice to TransUnion in effort to have the inaccurate item removed or for the credit bureau to produce written documentation ; in reference to how TransUnion has verified this erroneous public record. I inquired to know this information as the public record continues coming back as my public record. In addition to my several written request, I have spoken with various customer service representatives and 3 of the 5 informed me that the request/dispute is sent as a message to the courthouse and once the court verifies it, the information is sent back to the credit bureau. At that point, I advised the representative that I would like to cancel this dispute and they advised me that because the dispute was already sent to the courthouse, I will need to contact the court directly with my name and the case number. 
After seeking legal consultation, I was advised to contact the court directly to inquire on their protocol and procedures, for submitting public records to various credit bureaus. After I contacted the court, the clerk advised me that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. 
At the point, I contacted TransUnion once again and spoke with another representative ; this time she advised me the information is verified by a 'runner ' who goes to the court house. I asked what information does the 'runner ' give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. At this time, the representative was unable to answer my question ; as a result, I requested to speak with a supervisor. The supervisor advised me due to this being an ongoing re-investigation ; therefore no 'runner ' is involved. She advised me that they use a form which is sent r to the courthouse. I asked what type of form and exactly where the form it sent as the court clerk confirmed that they do not verify any information with the bureaus. Furthermore, I asked if she could provide me with a copy of this form. TransUnion refuses to give me any physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine. I am requesting assistance in getting this ongoing issue resolve.
Product: Bank account or service

I was solicited by Bank of America to transfer a balance with a a promotional 0 % on the transfer and purchases for 18 months. That is how it was presented per phone conversation XX/XX/2016. The very first purchase I made on top of the balance transfer was charged interest. When I called they said ONLY the balance t transfer was promotional. That was NOT how it was presen ted. I had a credit card with low interest rate. BOA has CSR that misrepresent. I called to make sure I asked all the right questions when I got their solicitation in mail. This is their MO. Since you NEVER know who you are talking to and where except today when I called to complain. I actually spoke to someone I could understand. Funny how that worked.
Product: Checking or savings account

Chase bank gave me wrong interest rate of 0.02 % instead of 2 % but they do not want to admit this was a bank error. 

XX/XX/XXXX - received a promotion email from Chase that states '1.75 % interest rate for 6 months CD, minimum deposit of {$10000.00} '. I clicked 'additional rates and terms ' and learned 2 % interest rate for the money I had which was {$80000.00}. ( a copy of promotion email attached ) XX/XX/XXXX - opened the CD account online. I selected 12 months and deposited {$80000.00}. 

XX/XX/XXXX - a day after maturity date I noticed Chase only deposited {$16.00} which is 0.02 %. Called the bank but I was advised to visit the branch. 

The same day I visited Chase XXXX XXXX XXXX/XXXX XXXX branch. They could not find any record of the 'interest rate ' for my CD account. Branch didn't admit the error but escalated the case. 

XX/XX/XXXX - a banker, XXXX XXXX, moved my money from CD account to Savings account to avoid the CD to be automatically renewed. Multiple communications, emails between the branch but they were not willing to help. 

XX/XX/XXXX - Chase branch complaint escalation team called. 

XX/XX/XXXX to XXXX XXXX - Multiple communication between the escalation team. I have requested to check the interest rate at that time as it was a fixed rate. XXXX said she communicated with the CD team but they still didn't admit this was an error. Because I opened the account online they claimed they don't know which product I selected even though they know I had 12 months CD with {$80000.00}. 

XX/XX/XXXX - the case had escalated to 'Executive office '. No one called me so I got the contact information from XXXX from branch complaint escalation team. 

XX/XX/XXXX - after leaving two messages, the case manager, XXXX XXXX, called me back and left a message. She said 'I talked to the branch and the branch manager says he doesn't recall they offered 2 % and I opened the CD account correctly online with 0.2 % ( it's actually 0.02 % but that's what she said ). 

I formed a conclusion that Chase does not want to admit the error and not willing to fix the issue even though they should have the information of the interest rate they were offering at that time.
Product: Debt collection

I received a bill from XXXX XXXX XXXX for {$95.00} last year. I paid {$600.00} for XXXX XXXX XXXX and used only half of the XXXX appointments due to COVID. I called XXXX XXXX XXXX, and requested the amount be taken out of the balance of my account, which was accepted. 

I then received a letter from Kansas Counselors , Inc in XXXX, XXXX seeking to collect on a supposed debt of {$95.00}, which I had already contacted XXXXXXXX XXXX XXXX about. I wrote them a letter seeking debt verification, and explaining the above. I received a letter on XX/XX/XXXX that contained the same bill that I had already contacted XXXX XXXX XXXX  about, but nothing about the amount that XXXXXXXX XXXX XXXX still owed me ( {$300.00} ballance - {$95.00} = {$200.00} owed to me ). I am not sure if XXXX XXXX XXXX was recently bought out, as Kansas Counselors statement is from XXXX XXXX XXXX, which I have never had a business relationship with.
Product: Credit card

My ex-girlfriend, authorized 3rd party card holder, XXXX XXXX, has been trying to get her payment information on the account updated ; however, every time she has called, she is being told they can not assist because she is my ex-girlfriend. Why the change? She is the one that used the card and has made every single payment. Furthermore, she used to call before and your customer service representatives were able to assist her. If there has been a change in your policy, customers like me would have appreciated a heads up. She has not used the card since 2023, when I canceled it in error. Nonetheless, she has continued to pay on it. We co-parent a child and our relationship is good. Im aware she is paying on it and would like to ask she is authorized again. Recently she got a new checking account because she lost her checkbook and as a security measure she was recommended to get a new checking account. She told me recently that she was assessed a couple of late fees and most likely a return check fee, please have the courtesy of waiving the fees, based on the disservice she received and to help her as she is trying her best to pay the balance down. You already get enough just with the interest you collect.
Product: Credit reporting or other personal consumer reports

NAME : XXXX XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX  XXXX, NV XXXX Email Address : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY
Product: Debt collection

XXXX XXXX - CHARGE OFF {$7500.00} XX/XX/XXXX, with discrepancies in late payment reporting ; XXXX - XXXX OFF {$990.00} REPORTED XXXX XXXX, with discrepancies in late payment reporting ; XXXX - CHARGE OFF {$3700.00} REPORTED XX/XX/XXXX, with discrepancies in late payment reporting ; XXXX XXXX XXXX - XXXXXXXX XXXX no contract with this entity, {$7200.00} REPORTED XX/XX/XXXX, with discrepancies of late payment reporting & no bill of sale to verify debt ; XXXX XXXX XXXXXXXX - no contract with this collection XXXX, requested bill a sale to verify debt, REPORTED XX/XX/XXXX {$3700.00}, with discrepancies in late payment reporting. XXXX XXXX report claims there arent any current collections, yet I have collectors reporting collections on unverified accounts.
Product: Credit reporting or other personal consumer reports

Upon examining my credit report, I found inaccuracies in some of the information provided. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the three credit bureaus are required to verify these items. Failing to validate this reported items within the legal timeframe without providing evidence is not permitted. The following items listed on my credit report require investigation and correction due to inaccurate reporting : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX XXXX Balance : {$1500.00} XXXX  XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Balance : {$810000.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$920.00} XXXX XXXX XXXX XXXX Balance : {$810000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX XXXX Balance XXXX {$41000.00} XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX Balance XXXX {$920.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$810000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$41000.00} XXXX XXXX XXXX : {$0.00} XXXX Inquired on XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Billing and reporting errors are unfairly harming my credit, violating my rights under TILA ( 15 U.S. Code 1666 ( b ) ). Payments I made have not been accurately recorded, and there are clear calculation discrepancies in the reported balances. Additionally, I did not receive the legally required XXXX notice before a payment was due, which invalidates any late payment markings. Moreover, under FCRA ( 15 U.S. Code 1681s2 ( 3 ) ), creditors must not furnish disputed information to consumer reporting agencies without indicating that the information is under dispute. I filed a dispute over XXXX days ago regarding these inaccuracies, yet you failed to notate the items as disputed. This not only violates federal law but has also caused me to lose financial opportunities due to the continued reporting of inaccurate and unflagged items. This inaccurate reporting, including falsely marked late payments, has significantly damaged my credit score. All alleged late payments were made on time, yet they persist on my credit report.
Product: Debt collection

I received a notice that I was put in collections for a utility bill by Transworld services. The bill is for a XXXX TX address and I live in XXXX XXXX TX. I have never owned a property or lived in XXXX TX. They told me they would investigate but when I call for an update they say they are still investigating.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted TransUnion about the following inquiries XXXX XXXX Inquiries on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX Inquiry on XX/XX/XXXX, XXXX XXXX XXXX Inquiry on XX/XX/XXXX, XXXX Inquiries on XX/XX/XXXX, XXXX. XXXX XXXX, XXXX Inquiries on XXXX. XXXX XXXX, XX/XX/XXXX, XXXX XXXX Inquiries on XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry  XXXX XXXX XXXX, XXXX XXXX Inquiries on XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX Inquiry XX/XX/XXXX, XXXX XXXX XXXX Inquiry XX/XX/XXXX. Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt collection

I was approved for a loan that I never paid back so they took it upon themselves to do a hard pull on my credit every month I didnt pay as you see in the photos there were more occasions of them pulling my credit but they fell off my credit report wouldve been reported this but Im just now finding out how. 



SECURITY FINANCE CORPORA C/O SECURITY FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian investigated XXXX XXXX XXXX XXXXeporting {$650.00} and confirm the debt was the result of identity theft. The negative reporting was removed in XX/XX/XXXX and a a fraud alert was placed on my credit report. In XX/XX/XXXX, I advised Experian at XXXX of an additional fraudulent account opened in my name with XXXX XXXX with a delinquency of {$210.00}. Experian refused to remove the negative reporting, and won't provide me with a written verification of the debt or documentation showing that I agreed to do business with the merchant, even though they agreed to remove the address used for the XXXX account, XXXX XXXX XXXX, XXXX New York XXXX under the dispute category Never Lived There. On XX/XX/XXXX, Experian is again reporting the {$650.00} from XXXX XXXX XXXX previously reported IC Incorporation and removed from my report and identified as fraud in XX/XX/XXXX under the name XXXX XXXX  A call to their Identity Theft Department on XXXX at XXXX resulted in the associate mocking me on the phone, refusing to place the item in dispute and then hanging up the phone, after he successfully confirmed my identity.
Product: Mortgage

XXXX MORTGAGE. XXXX equity LINE OF CREDIT. XXXX On XXXX 2014 Lender. increase the monthly payment. SO THEY CREATED A HEAVY HARDSHIP I HAVE EXPEND 18 months. ( one year and a half ) dealing with many different Departments, Lender change Officers that request document every 2/3 months with no result, MORTGAGE MODIFICATION. GOVERNMENT PROGRAM mortgage modification Government Program