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

I have a XXXX XXXX XXXX. I had this card since 2017. It is not showing up on my XXXX credit report or Experian credit report but it is on XXXX credit report. I have called XXXX and they informed me numerous times that a report was sent out to the credit agencies, showing this account belongs to you and to please add it to your credit report but again this account is still missing from 2 credit reports/agencies. I have also called and sent letters to XXXX  and Experian letting them know this important information is missing from my credit report but again nothing has been done. I even sent them a statement by mail, from XXXX with my information showing this is my credit card account but still this information is missing from my credit report. It is hurting my credit making my score and credit report inaccurate. I have been sending letters and calling on this matter for 3 years now. Please help me with this problem/matter so all my credit reports can be accurate and look the same.
Product: Checking or savings account

My account was closed for no reason by Chime bank. Allegedly my Account does not comply with internal policies and/or the member agreement. I ask for details, yet i am denied any further explanation. 
They closed my checking, savings and credit builder cards on XX/XX/2021 at XXXX. All my funds have been kept by Chime bank. I am struggling to get my life back together after pending divorce, child custody, eviction and covid. Now this, This is not right, they took all the money I had. Chime bank is a fraud, they prey on citizens just trying to make it through the day without banks like Chime robbing them blind.
Product: Bank account or service

Chase bank will not credit funds back into my account due to transactions being chip and pin purchases at XXXX and XXXX. I informed them as soon as i noticed my account was over drawn by {$1200.00} and they stated they assumed it was me. I informed them i use my account mainly to pay bills and i dont spend money i dont have.I 've been a loyal client for over 2 years and Chase bank should know how i spend my money.In my opinion and research done on this new card with a chip in it, Chase bank did not conduct a thorough investigation.All Chase has done was tell me to contact the merchents and take my hard earn money through my direct diposite XXXX.. and im still overdrafted.All they keep asking me is when will i clear it up and get my account back to positive. I honestly feel like Chase has turned they back on me and my wife and child.Im now behind on bills that should have been taking care of if it wasnt for this fraud on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted pnc bank And the three major Bureaus, XXXX XXXX, XXXX, and XXXX because I noticed inaccurate information on my report! I ask them to correct it and they said they did! Upon my own observation of my consumer report I noticed that the inaccurate information still remains! So I ask for an reinvestigation! And they look upon it again they told me that they didnt find anything inaccurate information and they not changing nothing! 

Upon my reinvestigation I still found the inaccurate items to be on my consumer report! 

And have file complaint to FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I reached out to XXXX XXXX XXXX XXXX in regards to incorrect data listed on my credit report. I did a dispute and asked for proof that I wasnt behind and my correct balance. Because I made a complaint, they reported my payment as being late again despite a letter from their own branch XXXX stating I wasnt behind. I spoke with several people about this and I was told it would be handled, only for my credit report to get hit once again saying Im late when in fact I was not from their own mouths. The data is incorrect, the balance is incorrect and I believe I am being purposely attack because I made the initial complaint. They also investigated my account and found that I was being charged for XXXX when Ive had insurance the entire time Ive had the loan. They owe me a refund as well. No one is calling me back and Ive been transferred to several people several times only to get there is nothing they can do. I have proof they are doing this on purpose. My credit is my life and this bank has ruined my life.
Product: Credit reporting

I recently disputed the creditor XXXX '' status of showing '' Open '' and listed under ''Installment Accounts ''. This account was included in my XXXX that was discharged on XXXX/XXXX/16. 
I 've disputed this matter 2X 's with them as well as with CFPB, i was advised by Equifax on the CFPB Website that this matter was not showing in the open status, and showing currently in '' XXXX Discharged as of XXXX/XXXX/16. This is not true both myself and CFPB have been misled and told false information. PLEASE See Attachment showing Equifax Credit Report XXXX showing that this account is indeed showing ''Open '' and listed under ''Installment Accounts '' Please see CFPB Complaint as of XXXX/XXXX/16 stating ''CFPB Complaint Resolution '' I 've continue to deal with these inaccuracies as well as others on my credit report, with Equifax , these inaccuracies are not only causing an issue to my credit but to me and my family.
Product: Debt collection

On XX/XX/2023 I received a Debt Collection notice, via XXXX, from SouthwestCredit ( XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXX, XXXX, TX XXXX ) XXXX The letter was dated XX/XX/2023, so that by the time I received it, 7 of the 30 days I have to dispute this claim had already elapsed. 

This debt is not mine, so on XX/XX/XXXX, I filled out a form on the SouthwestCredit website ( https : //www.swcconsumer.com/ ) to tell them exactly that ( to dispute the debt ). Despite entering my email address and telephone number, as part of that form, I did not receive any confirmation from SouthwestCredit that the account is in-dispute. Also, when I look at my account status on the SouthwestCredit website, there is no indication that the account is in dispute. So Southwest can simply claim that I never disputed the debt, in which case after 30 days the law presumes the debt collection attempt is valid. 

I then called SouthwestCredit to ask for some kind of written confirmation that my account is in-dispute. The customer support agent I spoke with ( XXXX XXXX ) told me she is not able to give me a concrete confirmation that I'm disputing the debt. After I escalated my case with SouthwestCredit customer support, XXXX 's XXXX ( XXXX XXXX ) told me that she can not give me a concrete confirmation, and passed me to their " executive relations '' dept. The executive relations department does not pick up their phone, so I wasn't able to make any progress on this issue at all.
Product: Mortgage

HSBC I 've received your XXXX/XXXX/17 response and there has been no reply to the complaint..Please address a letter from HSBC to XXXX with authorization to be signed and dated, to have this account researched. The fact that I 'm not a signer on the account is not my fault, therefore does n't justify you ignoring the the complaint.Please provide the document you are requested or my Attorney will.
Product: Debt collection

I have paid off most debt ; all of my accounts in collections should be closed. I have confirmation emails I printed out. But one company in particular keeps resetting my balance after being paid off completely and closed. The balance I owed was a little over {$3000.00}. On XXXX, it states that the balance was {$0.00} in 2022. I started paying through a third party where my payments were distributed to all of the accounts in collections. I paid off most of them through this third party. I had to stop payments because this company kept harassing me. When I talked to them they said I still owe full balance and didnt see the payments and after an hour of fighting with them, they finally saw that I did pay and the balance left was a couple hundred dollars. So I ended up setting up payment plans with them ; two payments of {$70.00} and {$30.00} were taken out weekly or bi-weekly just to hurry up and close the account. But because of them forcing me to do payments with them instead, I couldnt go through the third party anymore because I was sure that they would still get the money through them. I finally paid the full balance of the two accounts I had open with them ( one ~ {$3000.00} & the other one ~ {$300.00} ) and Received confirmation. Then, after I lost my job they start calling again. They reset the balance and say I owe the full balance once again of {$3000.00} and they were trying to take money I dont owe them out of my account. I had to write my bank and tell them not to allow it because I already paid them off and now they keep harassing me- it has been four months and they call me every single day. I definitely over paid them. Well this is a reoccurring theme. A lot of debt collectors have been trying to scam me like this, but this one has been the worst. Portfolio Recovery Associates. I should have nothing in collections ; it should either be paid or disputed. This is what I get for trying to be responsible and do the right thing. This has made me stop paying everything all together. I swear since COVID, every one is scamming now and money is tight. My credit score was almost at XXXX  finally, I worked hard to do that and now dropped to XXXX I really hope this isnt the reason why it did.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Accounts : XXXX XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Inquires : XXXX XXXX XX/XX/202XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Kohls Department Store has a charged off account reporting on my consumer report. This is illegal and should not be on there at all. I did not receive a 1099-C form from them for this debt, as I should be able to claim this on my taxes as income. Income is not to be reported on a consumer report. So why are they reporting this inaccurate information? Why are they still letting third party entities invade my privacy and have access to my personal information without my consent? 

I spoke to a supervisor over the phone and they did not want to hear anything about my problem or their failure to solve it. They are purposely providing inaccurate information to third parties and as such should be exposed for their failure to uphold consumer rights as stipulated within the Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

{$8000.00} was debited from my Chase checking to be transferred to a bank in XXXX, XXXX on XX/XX/2019. Today is XX/XX/XXXX and the money was not deposited in the account in XXXX. Many calls to Chase and many visits to Chase branches without resolution. Chase has been shuffling my calls between departments and supervisors and giving me double talk all the time. They always say to give them 3-5 days each time I get in touch with them. Please help me and direct me legally.
Product: Payday loan, title loan, or personal loan

I started an account on self lender to pay into a secured loan with my own money. I stopped paying it because I no longer could afford it. They then reported this to my credit which is not affecting my credit usage especially because I was not giving any money or a loan.
Product: Mortgage

On the morning of XX/XX/2020, I called Specialized Loan Servicing LLC to request a XXXX Month Covid-19 Forbearance under the Cares Act, as they are supposed to be my loan servicer ; yet, my call was automatically transferred to a third XXXX XXXX Bankruptcy XXXX. The representative at Specialized Loan Servicing said that I was as being transferred to the bankruptcy department of Specialized Loan Servicing, but National Bankruptcy Services is a separate company. I was unaware that XXXX XXXX  XXXX was servicing my loan. I was. Not notified by anyone of this reality. In addition, every time I call Specialized Loan Servicing, my call is automatically re-routed to XXXX XXXX XXXX. Also, I have been denied access to my home loan account. I created an account online, but when I sign into my account, it says my account is not viewable.
Product: Credit reporting or other personal consumer reports

I need Sunrise credit service XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY ( XXXX ) XXXX {$3700.00} to be removed from my credit I do not know what this is about.
Product: Credit reporting or other personal consumer reports

I had noticed something strange in my credit report ( year of 2023 ) once I made this bad discovery, I quickly called the two banks ( XXXX XXXX and XXXX XXXXXXXXXXXX XXXX  ) to tell them that I had not applied for their credit cards, it was then that they told me yes I had applied, the cards had already been delivered, I quickly asked them to block the cards and I quickly informed the police of this situation .... once I got the police report I sent it to the two banks asking them to remove this information from my credit report, especially XXXX XXXX refused and reports until now periodically to the credit bureaus, however, I am not aware of these credit cards, I had not applied or used these cards, what's worse, I don't even know the card numbers. 
And now the amount is up to XXXX $ and XXXXXXXX XXXX insist that i should pay it while i dont have no idea about it!
Product: Credit reporting, credit repair services, or other personal consumer reports

Law offices MBA placed a medical debt on my report, i sent a certified letter requesting full validation of debt which i havent received. As well as the debt to be validated before reporting on my credit report which they are reporting to all 3 bureaus with out my consent or validation of debt as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion date : XX/XX/21 Transunion was very rude when I called about my unauthorized inquiries on my credit report that I did not authorized. I really need your help in resolving this issue. Transunion seen to be no help and didnt care about what I needed to get fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a phone call From XXXX ( XXXX ) XXXX stating that someone had applied for a XXXX XXXX card in my name. I checked my credit report and saw the inquiry but i did not do the application. They left a message telling me to call ( XXXX ) XXXX and upon speaking to them i did give them my social security number to verify the account. They said it was denied and that i should get something in the mail. Later i googled the number and saw it associated with a scam likely forum. Im now very concerned for myself and my credit as i gave them my social security under the impression that it was XXXX XXXX card services.
Product: Checking or savings account

I have had an existing account with Bank of America for over 10 years that my mother opened for me as a student account when I was in college. I am engaged to be married so I opened a new account just in my name with Bank of America on XX/XX/XXXX and deposited my paycheck into the account via the bank 's mobile application on XX/XX/XXXX. That check cleared my employer 's account on XX/XX/XXXX ; however, the funds are unlawfully being held by Bank of America until XX/XX/XXXX as they are considering the account to be a new account even though I opened the account under my existing Bank of America credentials. 

I have spoken to several Bank of America representatives and my mother even called her banking representative to try to get the hold on the funds released to no avail. I checked your website at it specifically notes that accounts should not be considered " new '' if the account holder had an established account with the institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I called Experian to dispute an address that I advised them that was incorrect and asked them to remove it. The address of XXXX XXXX XXXX XXXX XXXX Ga XXXX. I spoke with XXXX the male rep who refused to remove the address because he stated it was linked to an a closed account. He also stated that this one closed account is the only account reporting the incorrect address. I asked him to dispute the address per my FCRA rights, as Id advised him it is incorrect and he refused again. He told me the closed account that the address is linked to had not been updated in five years. I again advised him that this is an incorrect address and to delete it. He again refused. I then asked to speak with his supervisor for further assistance, in which I was placed on hold for an additional 20 minutes before I ended the call due to a long wait. I was on the call a total of 1 hour trying to dispute this inaccurate address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX**** Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Product: Debt collection

On XX/XX/XXXX, I ordered a cell phone from XXXX XXXX. XXXX offered me a 14 day window to return the phone with no cost. Prior to the 14 day window, I returned the phone without ever activating it. The return was processed and I received a refund on my credit card. I am an XXXX XXXX XXXX customer and do not have any other accounts with XXXX. 

In or around XX/XX/XXXX, I noticed that I was not receiving text messages from XXXX XXXX users. I contacted XXXX and they informed me that because of an error in their system, even though my phone was returned, they had assigned my phone number and account to a XXXX phone and my texts were getting lost in the system. I was told the issue was resolved. 

In late XX/XX/XXXX/early XX/XX/XXXX, I received a notice from CBE group, a debt collector, dated XX/XX/XXXX, seeking to collect {$180.00} in charges associated with the XXXX account that I never used. 

After several calls with XXXX and CBE, the last on XX/XX/XXXX, in which I sought to resolve the issue and asked that CBE purge my personal information from their database since I never owed the debt, I was told that the issue was resolved and that CBE was investigating whether they could remove my sensitive information. I have not yet followed up with CBE but when I last spoke with them they suggested that they would not remove my information which seems like a violation of the FDCPA. 

On XX/XX/XXXX, I received a letter from XXXX dated XX/XX/XXXX, acknowledging that my debt is {$0.00}, but threatening to report the debt to all major consumer credit bureaus as a " write-off '' and stating that it could damage my credit. 

I have spent countless hours on this issue and XXXX and CBE should not be allowed to get away with these threats because XXXX has even acknowledged that I never owed a debt because I never activated the phone and returned it within the allowed window of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following inquiries : 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 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
Product: Credit card or prepaid card

TD Bank Card Services. 

On XX/XX/2019, Credit Card was reported to Bank as Lost/Stolen. Upon further review charges from XXXX on XX/XX/2019 for {$170.00} and XXXX for {$150.00} were charged to my account. TD Card Services was alerted that these charges were not made by me and my card was reported lost/stolen. 

TD Card Services refuses to credit these unauthorized charges and will not provide any documentation of what the charges were for.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$4900.00}