23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My name is XXXX XXXX XXXX. I filed Ch.XXXX bankruptcy in XX/XX/XXXX. After careful thought weighing out the pros and cons with filing bankruptcy, I decided not to continue with it so, my bankruptcy was dismissed. I called in with my creditors to make sure they received the dismissal ans the verified they did. When I went to use my Chase credit card it was declined. I was confused because I NEVER was behind in payments with them and have always paid over the minimum charge. I called XX/XX/XXXX and spoke with a Chase representative in the executive department by the name of XXXX ID # : XXXX. 
I asked him why my account was closed and he replied that it was due to the bankruptcy I had filed. I reminded him that my bankruptcy was dismissed but he kept speaking over me stating my account was closed because of the bankruptcy and that Chase will not " risk losing money with me ''. I asked him why if I never was behind plus, during the bankruptcy I kept sending payments of {$600.00} XX/XX/XXXX -XX/XX/XXXX and they kept collecting the payments ; how am I a " risk '' to Chase? He stated that Chase kept collecting because I have a balance with them. Then I asked, if was such a " risk '' because of a bankruptcy, then why did they keep collecting while I was protected under the " Automatic Stay ''? He paused for a moment and then belittled me over the phone stating that it was my decision to pay them. He did not answer my question! I asked him again and I stated that legally creditors are not to collect while one is under the " Automatic Stay ''. but he kept responding the same thing in such a condescending tone. I asked him if they can just please re-affirm the account because I wanted to keep doing business with Chase and that I have been loyal by never falling behind. He kept stating that I was a " risk '' to Chase. I do not understand why he would speak to me in such a manner when I simply was asking questions due to my concern of my account being closed. I was wanting to negotiate but I felt like I was being judged over the bankruptcy instead of considered for my faithful history with Chase. He kept saying that I voluntarily paid them, and that they could not return that money to me due to the balance I had. I have no negative history with them. When I decided not go through with the bankruptcy, I called all my creditors right away. When I called Chase and spoke with Chase representatives, I asked them if I was still able to make payments and they said yes, so that is the reason why I continued sending my payments. I still dont understand why they wont reaffirm the loan like my other creditors. I am really upset because they illegally kept taking my payments even though they had closed the account, the bankruptcy was not dismissed, and I was still protected under the automatic stay. I would like my account open again if not, then I want my money back. Attached are my receipts of payments. 
Thank you for attention I hope this issue gets resolved soon.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX 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 reporting or other personal consumer reports

While reviewing my credit profile I came across inquiries that are not mine.
Product: Mortgage

My loan was transferred to New Rez/Shellpoint in XX/XX/XXXX ( closed on XXXX XX/XX/XXXX ). I called New Rez in XX/XX/XXXX to find out what I needed to submit to have the residence homestead and XXXX veteran exemptions applied to my mortgage payment. I was told to get a tax estimate ( usually around XX/XX/XXXX ) and send it in to update account. I did this. Every month I've called asking about my exemptions and every time I got a different answer. I resent the required documents in XX/XX/XXXX and called to follow up, again I got a different answer. Every time I requested to speak with a supervisor, I was told none were available and that they'd call me back. I called again in XX/XX/XXXX, and was told that my escrow would be analyzed according to my state guidelines. I called again in XX/XX/XXXX and was told the escrow would be analyzed in XX/XX/XXXX. I was also told it would take 3-5 business days and I would be contacted. I called on XX/XX/XXXX and nothing has been done, and the representative told me it would be another 30+ days. I again asked to speak with a supervisor and none were available. 

The exemptions I've submitted paperwork for is the residence homestead - approved for {$5000.00} and the XXXX veteran property tax 50 % -69 % - {$10000.00}. 

I feel that every time I all New Rez, the representatives are not knowledgeable of the policies and tell the customer anything to get them off the phone. To date, no supervisors have called back to discuss issues I've been having with this company.
Product: Checking or savings account

On or around Thursday, XX/XX/year>, I logged into my Credit Karma ( XXXX ) account. I noticed that there was old contact information on the account. This was information that I have changed before, but somehow the old information was added back to my account. I changed the email address and mailing address associated with the account. A few days later, I noticed that I received an email stating that my account had was frozen and that I needed to provide a copy of my drivers license ( front & back ) as well as a photo of me holding the license under my chin. I did this and still received no response from the company. Finally, after waiting a couple days, I attempted to reach out to CK to check the status of my documents. I was on hold for nearly XXXX hours. I even tried chatting with them, but no one ever answered the chat. Finally, I was able to get someone on the phone. I had to provide the same information ( my drivers license and a selfie ). I tried this twice and was told that they were not able to authenticate me ( for reasons that they could not disclose ). Meanwhile, my account is still frozen with no explanation. I can only guess that it is because I changed my email address and mailing address ( something that I have done before, but CK still keeps reverting back to my old information ). Also, I authenticated the email address when I changed it. So there was no reason to freeze my account. It would be logical to freeze the account if there were suspicious transactions on the account. But I only changed the contact information. I have provided all the necessary documents and they still are not helping me. I do not know what to do at this point. It seems as though my money has been taken ( which really is not that much ) for no apparent reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( XXXX, XXXX, or TransUnion ) credit report, and I noticed some Collections reported on my credit report : XXXX XXXX XXXX XXXXXXXX : {$1000.00} Date : XX/XX/2022 XXXX XXXX XXXX Bal : {$250.00} Date : XX/XX/2022 Your company is in clear violation of the law. Under IS USC 1681CXXXX Block of information resulting in identity theft. THE LAW CLEARY STATES " BLOCK Except as otherwise provided in this section, a consumer reporting agencies 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 by such agency of- ( XXXX ) appropriate proof of the identity of the consumer : ( XXXX ) a copy of an identity theft report : ( XXXX ) the identification of such information by the consumer and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Nowhere in this LAW it states that I have to provide you with any police report. This is clearly a stall tactic and going against my human rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 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
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process is unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

There are still things that need to be blocked or deleted, but I appreciate your help in getting some of the unlawfully obtained data from my credit file removed. In compliance with FCRA section 605 of the regulations, you have to delete any records mentioned in an ID THEFT REPORT. Since I proactively remembered it for a prior letter, I am including this report again. My counsel has been made aware of my plans, and they are prepared to hold you responsible for your continuous disobedience. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$14000.00} ; XXXX XXXX Balance XXXX {$11000.00} ; XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$2000.00} ; 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 reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 


Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Overview Balance {$990.00} Highest Balance {$990.00} Opened XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX Closed No Info
Product: Credit reporting or other personal consumer reports

Hard inquiries XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> 2023
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I am NOT responsible for these fraudulent accounts and inquiries. Someone stole my identity and generated fraudulent accounts and inquiries in my name. These accounts and inquiries are fraudulent, damaging my credit score, and 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 ) by the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the unauthorized accounts and inquiries listed IMMEDIATELY!

15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 USC 1681 ( a ) ( 2 ), any consumer reporting agency may furnish a consumer report and no other : By the written instructions of the consumer to whom it relates.

15 U.S.C 1666b ( a ) A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

I request your company to provide verifiable documentary proof ( original consumer contract or similar proof bearing my wet ink signature on it ) that you have on file of accounts/inquiries/information listed below. Under the FCRA, you must remove all unverified, invalid, derogatory accounts/inquiries/information from my consumer report if you do not provide documented and verifiable proof. 

The consumer report that was prepared under my social security number by XXXX is reporting inaccurate information, which is a violation of The Fair Credit Reporting Act. 

Ive listed the following inaccurate information below from my Experian Consumer Report that must be removed.
Product: Mortgage

I spoke to AmeriSave on XXXX regarding a refinance with XXXX XXXX NMLS ID # XXXX. He took advantage of me being inexperienced in this whole refinancing process and told me I had to put a fully refundable deposit down of {$500.00} and that it would be refunded if I ever chose to not go through with the application or change my mind. I contacted XXXX on XXXX to cancel my refinance application and he responded with Too late, that is non refundable. Good luck. When I told him I was told it was refundable he laughed and said never have I said that and whoever told you that is a lie. I advised that he was the only one I spoke too and he just said that I was out of luck and couldnt do anything and to just move on.
Product: Credit reporting or other personal consumer reports

as of today i have not recieved any documentation or evidence validating the existence or legitimacy of this alleged debt this debt is not mines 15usc1692f
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXXXXXX XXXX XXXX XXXX XXXX  : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account XXXX : XXXX
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act. The list Accounts below has Violated my Federally Protected Consumer Rights to privacy and Confidentiality under 15 usc 1681, -B. 

Account Names/ # : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX All of these Accounts have Violated my Rights.

15 u.s.c 1681 Section 602A. States I have the rights to Privacy.

15 u.s.c 1681 Section 604A 2 States A Consumer reporting agency cant furnish a account without my written Instructions, or have reasonable cause to believe that the information being reported is inaccurate. 

15 u.s.c 1666B States that A creditor may not treat a payment on a credit card Account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

The company has sent me bills and I explained yo them I have know knowledge of this bill or the services. I asked for mote documentation and never received it, and instead they placed it on my credit score. I am afraid of someone using my identity and getting fraudulent bills because they have no valid documentation or knowledge of the services they sent me a bill for.
Product: Student loan

I became XXXX on XX/XX/XXXX, and lost my job due to said XXXX in XX/XX/XXXX. I contacted Navient about my private student loan ( or Signature Student Loan, as it is referred to on my account ). They told me I have no more forbearance and it would go to collections. They will offer me no lower payment. Since that time, I have been receiving 8 collection calls/day. When I called Navient, they said that they know how many times a day they can call, and that number is 8. They said they have their own internal collections. They do call between the specified times, but eight times per day. They said they are not harassing me, but trying to collect on a debt. Although I have been paying on this debt since XX/XX/XXXX, the principal alone is above the principal amount of the original loan. The original principal amount was {$29000.00}, and the payoff amount today is {$29000.00}. This has caused me to look at the history of my payments. I see that I was charged a {$920.00} " repayment fee '' at the inception of the loan. I have no idea what that is, or if it is legit. Additionally, I do n't see a total of how much I have actually paid already on the payment history. It sure seems like they would end up receiving a lot more than the principal amount than a person should have to pay. Especially for a student loan. <P/>They said they will send me paperwork to complete, and if they find that I am permanently XXXX, the loan can be forgiven. The calls will stop for seven days. I asked once before for them to stop calling me because I am XXXX and have no job, and they told me I have to request that every 7 days, or the calls will continue.
Product: Checking or savings account

I had a false check submitted through my checking account with fifth third with an amount of {$2100.00} that was submitted XX/XX/XXXX. I went to a branch a few days later to resolve the fraud where I had my account closed and was told to wait 10 business days for the funds to be reimbursed. I called 10 days later and asked about the status of my claim. I was told the branch did not have me fill out the domestic fraud packet, so I went to a different fifth third branch on XXXX XXXX XXXX XXXX XXXX  They had me fill out half the packet and then I had to go back the next day to fill out the rest per their error on XX/XX/XXXX. I have called twice since then for updates and the branch has not sent the form yet and it has been 9 days they have been withholding the fraud packet to have my funds processed. It has been almost a month since the fraud was committed and I need my funds as I have bills to pay and this is most of the money in my account. Fifth third will not give the money back until they process the packet which they are withholding.
Product: Credit card

My long standing Kohls charge card has been closed down by the company and they switched over to a capitol one card without my knowledge. Capitol One card showed up in the mail today without me applying or approving of the card.
Product: Checking or savings account

I was notified by Ally Bank that a fraudulent checking account was opened in my name even though I have never banked with Ally.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive called the credit bureaus and explained to them my student loans are not late they are in deferment. Over the past 2 years since the pandemic the loans are showing missed payments when in fact they are deferred. Also, the loans were recently sold to another service provider in which they are still in deferment and the new provider is showing I have 4 missed payments. The credit bureaus are saying its showing on time, however, when I apply for credit it shows they are late and are missed payments. This is causing my score to remain stagnant and costing me more money when financing things.