23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I called bread financial about my XXXX rewards card account because I thought I had paid the entire balance in full last month ( XXXX ) I noticed when I logged on today that there was still a balance and it was 4 days late because I turned off autopay thinking I had no balance due. I immediately paid the remaining balance and called and asked if they would be charging a late fee and explained the issue to them and asked if it could be reversed since I have perfect payment history on the account. The guy put me on hold for XXXX minutes. He came back on and started going over old account history that had nothing to do with my question. He then asked if Id like to make a payment. I told him that I already told him I made a payment, at the very beginning of the call and XXXX asking about if there will be a late fee. I also told him I have to go and dont have alot of time left because I was on hold for so long. I asked him if hes going to take a while again. He said yeah it could be a while. Then I told him well you didnt even address what I was originally asking about so XXXX not sure why i have to keep waiting XXXX minutes every time. He had a strong accent and when I told him theres a language barrier he became rude and put me back into a phone queue that wasnt registering my responses so I had to call back and start all over again. Very unprofessional. Very entitled and out of control representative. The representative I spoke to after him gave me his name. His name was XXXX.
Product: Credit reporting or other personal consumer reports

I reviewed your credit reports and discovered that I had been a victim attempted identity theft. This resulted in many unauthorized injuries that were made without my authorization, authority or knowledge. These are identity theft. 
These inquiries are : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/24 XXXX XX/XX/24 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint Regarding Unrecognized Hard Inquiries and Identity Theft To Whom It May Concern, I am filing this complaint with the Consumer Financial Protection Bureau to report a concerning issue on my credit report related to unrecognized hard inquiries. Additionally, I have reason to believe that these inquiries may be the result of identity theft. I have attached the supporting document outlining my identity theft claim for your reference. 

The unauthorized hard inquiries listed on my credit report, which I believe to be a consequence of identity theft, are as follows : XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I have taken immediate action by reporting the identity theft to the relevant authorities . However, it is alarming to find these unauthorized hard inquiries on my credit report, as they suggest potential fraudulent activity that may adversely affect my financial well-being. 

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into these unrecognized hard inquiries. I urge you to consider the impact of these inquiries on my creditworthiness and overall financial standing. I trust that the CFPB will exercise its authority to ensure that my consumer rights are protected under the Fair Credit Reporting Act ( FCRA ) and take appropriate measures to rectify this matter promptly. 

I kindly request that you provide a written response acknowledging receipt of this complaint and detailing the steps that will be taken to investigate and resolve the issue. I kindly ask to be kept informed of the progress and outcomes of the investigation within a reasonable timeframe. 

Thank you for your attention to this matter and for your assistance in resolving this issue. I trust that the Consumer Financial Protection Bureau will act diligently and with utmost care to address this complaint.
Product: Credit reporting

Trans Union had a glitch in there system that violated the rights of their consumers under section 6.11. as a result i have been gravely affected and my score is suffering as a result. no notice was given which is also a violation and i am requesting All inquires to be removed XXXX
Product: Checking or savings account

The incident occurred Saturday night XX/XX/XXXX. I woke up the next morning ( XX/XX/XXXX ) and noticed that I did not have my debit card and there were 4 unauthorized charges on my checking account. Two ATM withdrawals ( {$200.00} & {$240.00} ) and two charges at XXXX XXXX in XXXX ( {$1000.00} & XXXX ). I called Chase immediately to file the claim and cancel my card. They cancelled my card and sent me a new one, and I was told a claim was filed to dispute the charges and I would be notified with updates. I called back the next day to check the status and I was told that their system was down and I needed to refile the claim. While on the phone the second time, they logged two separate new claims for me, one for the ATM withdrawals and one for the XXXX transactions. I received a temporary credit for the full amount. Two weeks later all temporary credits were reversed. I called in to understand why, they told me that the claims were denied because whoever used my card had my PIN, along with some other reasons that I felt were less than satisfying. I have never told or given my debit card PIN to anyone. I went in to a Chase branch to try to gain some more understanding and the banker attempted to re-open the claim, but was told that they can not re-open it because the person who had my card had my PIN, and I ultimately was told there's nothing I can do. Now I am out {$2400.00} and I don't know what else I can do, but I feel that I am owed this money and Chase was less than helpful in supporting my fraud claims.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance {$6800.00} Chargeoff XXXX XXXX Date Opened : XX/XX/XXXX Balance $ XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance $ XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance $ XXXX closed XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance {$2300.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance {$6100.00} Chargeoff XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance {$0.00} late closed XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Open XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX XXXX Open
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has consistently verified and reinserted the following accounts on my Equifax credit report. Case # XXXX Case # XXXX The above mentioned accounts were deleted on XXXX XXXX 2016, Equifax confirmation number XXXX. I am demanding that Equifax delete above mentioned cases from my file. I am not asking Equifax not to reinvestigate so they can stall for another 30 days. I have contacted XXXX County Courthouse to speak to them about this matter and they stated they have no recollection or knowledge of Equifax performing an investigation. If these accounts are not deleted, I will pursue any legal remedy at my disposal.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020. I received an alert for updated status on my credit report regarding a dispute I did on XXXX XXXX XXXX. I had an account showing as charge off, although I didn't owe that account. After disputing early XXXX, on XX/XX/2020, XXXX XXXX XXXX updated the credit bureaus. However ; the charge off status was removed but, the account remained and with a open balance of {$490.00}. I still don't owe that amount. This is an open checking account and it was never closed or charged off, no balance owing. ( I'm attaching copies of bank statements for XXXX, XXXX, and XXXX showing the account without that balance owed. However, XXXX and Equifax still is reporting it as such as if it was a revolving credit. Equifax is even showing it as if it was a credit card with a high balance of {$490.00} which is not accurate. This is an open CHECKING account. I have disputed it again from XXXX XXXX XXXX, and XXXX  and Equifax through XXXX XXXX XXXX. This is affecting my credit score for my debt to income ratio.
Product: Credit reporting or other personal consumer reports

I was on XXXXXXXX XXXX XXXX XXXX looking for a room to rent and a person put an ad up pretending to be renting out a room when in fact they were an affiliate with the company, " Your score and more '', and also " Transunion LLC, Transunion Interactive sending me affiliate links to sign up saying that he needed my credit score in order to rent me a room. I signed up with both websites using my credit card and I was charged {$29.00} with " Trans Union LLC or Trans Union Interactive '' and then " For your score and more '' I was charged, {$1.00} For a seven-day trial. The next day I canceled both memberships. They said from Trans Union that they would refund my money within seven to 10 days. I am going to be waiting to see if I really will get the refund. I got charged a dollar for your score or more, but I don't know if I'll get that as a refund. When I was still communicating with him about the room I sent him screenshots of my credit reports to show him my credit score from the credit monitoring websites your score and more and Trans Union Interactive, he texted me another link to another affiliate credit score website saying he needed a 3rd Confirmation of my credit score to make sure that my credit score was safe for him to rent me the room. That's when I knew it was a scam, and I texted him telling him I knew he was scamming me trying to make money off of his affiliate links with those credit score websites. And when I went to look for the ad on XXXX it was gone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent the letter below to Carrington mortgage explaining the situation, after learning that they had reported a 30-day late payment on my credit report. This was not the case, I tried explaining the situation to their credit department and they only repeated the letter I sent them and stated that no matter what the payment was late. This is not at all a satisfactory answer and it just seems that Carrington mortgage is not making an effort to make the situation right.

This letter is to explain the circumstances regarding the 30-day late payment that was reported on my credit report. I called Carrington Mortgage Services on XX/XX/2019, to find out how to pay online. 
This was after I had tried paying my mortgage multiple times on the Carrington online portal. The system kept giving me an error which mentioned the routing number I was providing was not valid. After I had been on hold for several minutes, a Carrington representative came on the line. I had to explain my problem to him and even tried to perform the same process while on the phone, I was also unsuccessful. He then asked me for my banking information so he can make the payment on my behalf. After giving him all my information, we were both under the impression that the payment was successfully made. 
On XX/XX/2019. I received a letter from Carrington advising me that the payment which Carrington customer service representative made, was returned due to payment account not found. That same moment I logged in on my phone and resubmitted the payment and unbeknownst to me the system used the same bank information that was captured when the Carrington representative made the first payment. This payment also was returned due to the payment account not found. 
On XX/XX/2019. I received a call from a Carrington collections representative asking to pay my mortgage payment for XXXX and XXXX. This is when she advised me that the second attempt for payment on XX/XX/2019 was not successful. I explained the situation, she agreed to refund the late fee penalty and advised me on writing this letter to explain my situation. I also asked her if the calls were recorded and she confirmed that Carrington in fact does record calls. These calls can always be used to collaborate with my explanation. 
In conclusion, I believe that this was a mistake when entering the bank information. I respectfully ask that this matter is resolved by removing this late payment off my credit report with all three bureaus. I have never had a mortgage late payment on my credit report or with Carrington for that matter. This truly impacts my consumer credit report and other financial aspects of my life.
Product: Debt collection

I had received an alert from XXXX XXXX and Equifax notifying me regarding a collections account sent in from 2 different light companies. One of the compnaies is XXXX XXXX XXXX which account was created on XX/XX/22 and got reported to credit bureau on XX/XX/22 with the amount of {$360.00} and then on same day another light company called XXXX XXXX which account was made on XXXX and sent to collections on XXXX for the amount of {$1000.00}. I did not live nor have I moved from the location I have been residing the past 6 years. and plus I have already report a same issue awhile back with another light company and it was 2 different light companies as well. Please see what can be done with this matter since new accounts are being created with my personal information and only to open up light companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. [ accounts/items ] XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX  Balance : {$460.00} XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$320.00} XXXX XXXX XXXXXXXX XXXX Balance : {$460.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$770.00} 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
Product: Debt collection

Hello my name is XXXX XXXX. my identity was stolen and fraudulent accounts we're applied for and started in my name without my consent. also these credit reporting agencies reported this false misleading information on my credit, which goes against the FCRA laws. I sent them a letter informing them of the fraudulent accounts on XX/XX/21, and by law they had 4 days to remove the items. It is now XX/XX/21 and the items are still reporting on my credit report. THAT IS AGAINST THE LAW. they are now criminally and civilly liable for all the fees listed in my invoice attached.I want all the accounts listed in my dispute letter to be removed, or updated to payed as agreed.
Product: Checking or savings account

I was being charged ridiculous overdraft fees. I turned off overdraft but was still being charged and it got to point I couldnt not afford to pay the fees back and because of that they closed my account.
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 15USC 1681. 

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 XXXXXXXX 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 instruction.

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 conviction 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

Monday through Sunday all experian does is lie ONCE AGAIN EXPERIAN LIED, dispute can not be seen, lie lie lie lie lie lie lie lie lie lie lie lie lie
Product: Student loan

While actively being enrolled in school, the loan servicer has placed my account in repayment status when my account should be in deferment status. I am still currently enrolled and the loan servicer is having my pay on my loans. 

Also, as an XXXX XXXX service member, the loan servicer did not abide by the SCRA even after documentation was submitted. Due to that, I was overpaying on my loans and I have not been repaid due to their delay in almost 8 months in processing documentation. A previous complaint was submitted to the studentaid.gov to fix that issue.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The XXXX and Equifax credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX Account Balance : {$32000.00}
Product: Mortgage

I contacted mortgage servicing company regarding my homeowners insurance which they took time to pay. It was finally paid but now has been paid multiple times resulting in me having a negative escrow account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I told Experian, XXXX and XXXX that I had fraudulent inquiries. Due to bogus car lot in XXXX IL. Credit inquiries from XXXX XXXX XXXX ( XXXX ) XXXX ( XX/XX/2023 ) XXXX ( XXXX ), XXXX XXXX XXXX  ( XXXX ), XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) Are all fraudulent inquiries. I did not authorize. 

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

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

On XXXX I put a dispute in with Experian for an account that I settled with collections agency with and I provided the documentation that agency gave me to prove it was settled. The investigation was quick and came back that the account stays and there was nothing wrong. I then tried to appeal it and it got denied. On XXXX did the process again it was denied. On XXXX I disputed it again and it was denied. I have the proof to show that this is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid a collection from LVNV funding and it is still not showing as paid on my credit report. I have the receipt showing paid and have even tried disputing it with the credit bureaus but have had no success in getting it reporting correctly.
Product: Vehicle loan or lease

PLEASE READ. 

I purchased a XXXX XXXX XXXX in XX/XX/XXXX for $ XXXX.with an interest rate of 14.99 %. Financed with Santander Consumer. It is now four years later and I still owe {$17000.00}. This is for a 72 month term. 

This interest rate is just to high and they have charged me {$810.00} in late fees. 
. 

*I 've asked them to refinance the interest rate to 8 % and they refused. The car doesn't even appreciate at the balance they say I owe, I will be upside down $ XXXX and with XXXX kids I can't afford ... and they keep adding fees.. 
( CAR IS OVER PRICED ) IT WAS A RIP OFF..AND THEY KNOW IT. 

*I have asked them to remove the negative late remarks from my credit report so that I'm able to buy my home and they refused.. I can't get them to do anything ... I don't know where else to go except the News media. 

*I 'm currently trying to buy a home and have several late charges from them due to circumstances with my divorce. The late 's that they have reported to the credit bureaus on my credit report are stopping me from buying a home ... This is the only thing on my credit report that's hurting me and my kids. my lender said that unless they have them removed from my credit report, I can't buy a house for 3 years ... .This would affect me and my kids lively hood. 

Can someone please carefully read this and research. I DON'T THINK THIS LENDER IS FAIR AND I THAT THEIR PRACTICES ARE FRAUDULENT ... .THIS IS LOAN SHARKING AND A SINGLE MOM CAN'T AFFORD THIS.
Product: Credit card or prepaid card

XX/XX/2023. Upgrade Credit Card. I requested financial hardship. The issue is that I need to miss a payment or after the due date to call in. I don't think it is right for a customer to miss a payment in order to move forward into the financial hardship program. Below I have attached the CHAT Transcript with the customer service representative.
Product: Student loan

My FedLoan Servicing. AWFUL. I just want to know a rough estimate of payments for the next year. It's XX/XX/XXXX, and repayment plans will start soon and I have ZERO idea of how much my payments are going to be, or what my options are. I have currently been on hold for an hour and 30 minutes. 

How do they expect people to PREPARE to pay back a loan with NO information. It is awful. This is the longest I've waited on hold. I usually try the call back option, which never happens. What a scam. I can't believe the FEDERAL GOVERNMENT has done this to us. Making hardworking individuals jump through hoops to repay a STUDENT LOAN. It's crazy.