23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Obviously the holidays are challenging times financially. I contacted Chase today after receiving a letter today that my account was charged off which puts a hit to my credit report. XXXX stated that because a payment was returned around the XXXX of XXXX, my account was charged off. I explained that JP MORGAN never told me that returned payments would cancel my payment plan. Furthermore, I am still making payments. I have not stopped paying even if a payment or two have been returned. JP MORGAN took a payment from me on XX/XX/year>. It's very unfair practice that JP Morgan is being so cut throat and causing my credit score to take a hit when I am still making agreed payments.
Product: Credit reporting or other personal consumer reports

Student loan Servicer ( XXXX ) has reported a duplication of the same account number. 

XXXX reported this Account to Transunion on XXXX/XXXX/203 with the amount of {$24000.00} and then reported the same account on XX/XX/2023 in the amount of {$24000.00}. 

I have contacted XXXX regarding this matter on several occasions, without any resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and fraud. I have notified alleged creditors that the items on my report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule the requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credits, money, loan, services, or any transactions. The alleged creditors have not provided proof of claim and my social security number has been used unauthorized, and without consent and written or verbal permission. I have not authorized any of these creditors listed to have access to my credit report, and /or score. My social security number information was breached and alleged creditors have used my social security number and are in violation of the privacy act of 1974etc. unless they can prove a written contract exists.
Product: Money transfer, virtual currency, or money service

I used a service called fresh books to create an invoice and they had an integration to accept payments with a company called Wepay. I then created my account. They did not say anything was wrong. As soon as I got the money in the account, they closed my account, and they said I violated their terms, but they did not specify what terms and they are withholding my money for 120 days. I request an appeal and they have not gotten back to me/will not get back to me and there is no customer support number. 

I have also seen plenty of reports about the same issue regarding this company - XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

A hacker used my information from XXXX XXXX XXXX and government site to apply for a credit at XXXX on XX/XX/year>, and the hard inquiry listed on all credit reporting agencies, XXXX, Experian..
Product: Mortgage

I did a re-fi with First Mutual they then sold it to XXXX which went out of business.I was then contacted by XXXX XXXX XXXX Who stated that My FHA mortgage was assigned to them and that my {$900.00} a month mortgage would be {$2300.00}. I immediately contacted them and told them that since I 'm a Veteran that my mortgage could not be assigned to them without a face to face and authorized by the VA. They then filed foreclosure paperwork through the court. Out of fear and lack of knowledge I paid them until I was financially strapped. My Wife had to have a XXXX which caused me to stop paying XXXX completely I saved up enough money to hire a law firm XXXX XXXX XXXX XXXX. The firm placed me in a XXXX XXXX lawsuit against XXXX and they backed off and stated that my mortgage had been securitized and that Bayview Loans Servicing LLC would be my new servicer. Again out of fear of loosing my home I paid Bayview a total of {$9600.00} {$1800.00} a month for 6 months because they threatened foreclosure via the same debt collector lawfirm XXXX XXXX XXXX that XXXX had used. After paying the 6 month trial period for a modification which the results from the XXXX Bayview sent paperwork to file for a modification that they said I had already been approved for. With lawyer fees and false modification payments I 'm out about {$20000.00} and Bayview is threatening to sue for foreclosure again. Like I stated earlier I 'm a Veteran with a sickly Wife and just want to pay fair market value for my home Bayview states that I owe them {$320000.00} and my home was appraised at {$150000.00}.
Product: Student loan

While I wait for a recalculation of our loans we are supposed to be in a forbearance but have been receiving threatening calls and letters. I Then am told the recalculation was never promised and my loan is now late.
Product: Credit card or prepaid card

On XX/XX/2022, I submitted a dispute for charges to my Home Depot consumer credit card because Home Depot was unable to process a refund even though I left the items in the store ( the full description of the issue is in the dispute I filed ). The amount disputed was {$300.00}. On XX/XX/2022, Home Depot Credit Services acknowledged receipt of my dispute and said they were investigating my claim, per the letter I received. Also on XX/XX/2022, Home Depot Credit Services requested by letter to provide additional information regarding this dispute, which I sent as requested by fax. On XX/XX/2022, Home Depot Credit Services sent a letter stating that the dispute was resolved in my favor and that " [ They ] issued a credit to [ my ] account for the above amount ( s ) and adjusted any associated fees and interest charges. These will appear on [ my ] statement within two billing cycles. '' The amount was {$300.00}, as I had originally requested in the dispute. 

It has been two billing cycles and two phone calls with the customer service center to inquire about the credit to my account because it hasn't been made. They are unable or unwilling to issue the refund as stated in the letter I received on XX/XX/2022. I request a credit for {$300.00} be issued as soon as possible and the employees be trained appropriately to resolve this kind of situations without wasting the customer 's time.
Product: Mortgage

On XX/XX/XXXX, a payoff of the HELOC in the XXXX was submitted to XXXX, Specialized Loan Servicing. I have a document from SLS that states this figures expires XX/XX/XXXX. 

On XX/XX/XXXX, I submitted a hand written letter to SLS to close the account and that all remaining funds should be refunded. I had to submit the letter because I received a billing statement. 

I received another statement and I called on XX/XX/XXXX and spoke with XXXX, XXXX XXXX who informed acct not yet closed. Upon request was transferred to Escalation dept and was sent a payment history as requested. 
XXXX I called as nothing has been corrected. 
XXXX received a confidential envelope stating urgent noticeSLA independent field inspector came by to inspect condition of property. I called SLS, spoke with XXXX, Escalations dept and XXXX, Supervisor was looking into it. 

XXXX I call again as I have not heard anything. I also call Lender who worked with us to pay off this loan and he sees that we have been sent to collections by SLS. No call back after this conversation. 

XXXXI call again and get XXXX, again. I point out to her that I sent letter in XXXX and she states that she sees it. 

XXXX this issue is still not resolved and XXXX nor any other manager of SLS has called me.
Product: Credit reporting

I have tried numerous time disputing hard inquiries with Experian. I did not apply for a job nor was I granted credit with these people and I want them removed. I have sent certified letters to both creditors and Experian with no response. Some were Return To Sender. Experian refuses to delete them from my file.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and I am requesting that all inquiries related to the breach be blocked and deleted from my credit file in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The following inquiry should be blocked and deleted : XXXX XX/XX/year> As this inquiry resulted from unauthorized access due to the data breach, I request its immediate removal from my credit report. Please provide written confirmation once the inquiry has been removed and supply me with an updated copy of my credit report.
Product: Credit reporting or other personal consumer reports

I understand that it is my right to obtain a copy of my NCTUE report, under the Fair Credit Reporting Act. I am requesting a copy of my NCTUE report sent to me via mail.
Product: Bank account or service

My Bank of America Debit card was replaced due to the bank being notified of a potential compromise to my card in XX/XX/XXXX. 

I had a automatic renewal with XXXX XXXX XX/XX/XXXX, prosessed on my old debit card number ( COMPERMISED ). 
I received a letter of renew from XXXX XX/XX/XXXX concerning renewal of the service. I returned invoice marked do not renew. They processed the renewal with OLD Debit number and Bank of America processed it through using new Debit card. Per their service rep, XXXX will allow as a courtesy one time. I do not want any bank or CC company providing access to my funds if the merchant does n't have correct information
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent dispute letters to TransUnion, XXXX, and XXXX  and have yet to hear back about the unverified Items on my report. The letters were sent out on XXXX/XXXX/2020, and XXXX/XXXX/2020, it's now been 30 days, and the Items remain on my report, and inquiries that have no account on my account also was asked to be removed but still report.
Product: Credit reporting or other personal consumer reports

Getting unauthorized hard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized 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 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

On XXXX I sent a letter regarding inaccurate and unknown items on my credit report. On this day over 45 days later I have not received a response yet. I feel as though I am being taken advantage of as well as being ignored of my disputes. Section 611 ( a ), it is clearly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, as it has been over 45 days, so it should be deleted promptly. I demand this account be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. 

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute, as I have filed a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge, I do not recall any of these accounts. I need this problem fixed asap, I will not wait another 45 days to receive no response, because it is clear your organization is intentionally ignoring me. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, as it has been over 45 days so they should be deleted promptly.
Product: Checking or savings account

At XXXX XXXX on XX/XX/2024 someone used my information to open a USAA account and open a checking and savings account. I did not open any of this, and someone is using my email to make this account. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen. See attached.
Product: Debt collection

Please remove the inquiries from my credit reports 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 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

I tried disputing the hard inquiry from XXXX from XX/XX/2020 since they have two credit checks/inquiries and got no where. Can someone remove one of these? As you can tell, its a duplicate. Also, there are 7 inquiries on the same date XX/XX/2020. I bought a car from XXXX and I got approved for my car that I currently drive. I authorized XXXX to run my credit but I am not sure why there are 6 more inquiries that day. Can someone please either take those off or explain, why there are 6 more inquiries that should not be there. XXXX XXXX, was the bank that approved me for my auto loan. Please email me at XXXX or call me XXXX. Also, I was not able to update my address. I am no longer In XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 I noticed a fraudulent personal loan account for {$500.00} from MoneyLion was showing on my credit bureau reports. I immediately contacted MoneyLion and they started an investigation. 

On XX/XX/2021, I received a letter from MoneyLion stating the account was opened fraudulently and closed as a fraudulent account on XX/XX/2021. I'm attaching a copy of the letter from MoneyLion.

Today, XX/XX/2021, I received notification from XXXX that this fraudulent account is still on my credit bureau reports but is also now reporting that it is delinquent. 

Please remove this fraudulent account from my credit bureaus, I also sent another email to MoneyLion telling them they need to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian explaining that I am a victim of identity theft. They only placed a fraud alert but did not deleted this information from my report. I am requesting again that this information is deleted.
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 was 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, credit repair services, or other personal consumer reports

Experian and XXXX are falsely reporting late payments for XX/XX/2019 on the XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) XXXX did not have a direct customer service telephone number until very recently. At this time, they could only be contacted via email. I sent multiple emails to their representative to change my payment information. I was never contacted, nor were my emails ever acknowledged and nobody ever got back to me. Consequently, because of their lack of communication I was punished with a late payment on my credit report. This incorrect reporting is harming my credit score. Please delete these late payments from my credit report.
Product: Credit reporting or other personal consumer reports

Hello : On XX/XX/2023 I attempted to pull my annual credit report, and had a problem with Equifax only. Equifax only sent me a message of technical issues. So I looked into the matter and turns out that Equifax has a Data Breach settlement going on, and they inform me that my information was compromised. On XX/XX/2023 I attempted to pull my credit report with Equifax and could not pull my credit report again. This is a huge problem. I will provide proof that my Data was compromised.
Product: Debt collection

On XX/XX/2019 I received a phone call asking for someone who is not me. This is not the first time I got this call. I asked for them to stop calling this number, they have the wrong person. I keep getting these types of calls and want them to stop. The offending company is Enhanced Recovery Company, XXXX XXXX XXXX
Product: Mortgage

Hi I have select portfolio for a mortgage company and have a problem with forbearance and insurance claim.
Product: Money transfer, virtual currency, or money service

I sold an item on XXXX and shipped it to XXXX using XXXX. The tracking number indicates that the item is located in the XXXX XXXX XXXX XXXX XXXX. I have documentation of the delivery and documentation from the buyer that he is refusing delivery to his residence. The item is at this address. Office Address : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX, XXXX - XXXX XXXX Telephone Number. : + ( XXXX ) ( XXXX ) XXXX, XXXX Email : XXXXXXXXXXXX
Product: Debt collection

Name : XXXX XXXX Opened : XX/XX/year> Amount : {$590.00} They reported this to my credit report I never owned this.
Product: Student loan

On  XXXX   XXXX ,    2017  I submitted an application for " Closed School Discharge '' and an application for " Attestation for  XXXX   XXXX   XXXX   Students Application  for  XXXX   XXXX  to Repayment Loan Discharge '' via certified mail. In the  XXXX  to Repayment application I selected the option to place my loans in forbearance while the application was being processed. I have not heard anything from the Department of Education in response to my applications. On  XXXX   XXXX ,    2017  I was notified that my federal tax return was being offset {$1300.00} for these loans. I do not believe that this offset was proper, as my applications and my request for forbearance pursuant to Department of Education policy were submitted well before this. This is greatly upsetting, as I was first misled by  XXXX , and now feel misled by the Department of Education.
Product: Credit reporting or other personal consumer reports

All inqury information without an account in my credit report not a Permissable purpose 15 U.S. Code 1681n ( a ) is a part of the Fair and Accurate Credit Transactions Act ( FACTA ) of 2003 that covers civil liability for willful noncompliance with consumer credit protection requirements : Liability Anyone who willfully fails to comply with a requirement under this subchapter is liable to the consumer.This includes obtaining a consumer report under false pretenses or without a permissible purpose.

Damages The consumer can recover the following damages : Actual damages : Any damages the consumer sustained as a result of the violationStatutory damages : For willful violations, the consumer can recover statutory damages of at least {$100.00} but no more than {$1000.00} per violationPunitive damages : The court may award punitive damagesAttorneys ' fees : The consumer can recover the costs of the action and reasonable attorney 's fees
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the proof that XXXX has been unable to find my data from XXXX XXXX through XX/XX/XXXX. It shows that my 1st delinquency is XX/XX/XXXX and so the 7 years is up and this item needs to be removed from my account. Currently they are stating that they have " no-Data '' and so they erroneously report that XX/XX/XXXX is my 1st delinquency ( Which is wrong ). Since I have provided the actual and factual information that XXXX has failed to do, then by the Fair Credit Reporting Act, this MUST be removed from my credit report or I will take further action with my attorney against Experian. Both XXXX  and XXXX  have already taken this off my report. 

Basically, when Experian contacts XXXX, XXXX keeps extending the date when it is suppose to fall off my report. As you can see, I have provided proof in which they keep doing this. They have done this multiple times and I am way way WAY past my date of 1st delinquency and after XX/XX/XXXX I never made another payment. My documents prove this and XXXX can not prove otherwise. The debt owed was {$33000.00} and I did not ever make it current and that is now what they are trying to report that I made it current in XXXX of XXXX and that is a bunch of XXXX. Please help, because XXXX is playing games with my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have purchased myfico and XXXX XXXX in regards to my Experian report & they are not furnishing my report to them. I have tried to get my report from my free annual credit report as well and they are unable to locate my report. its supposed to be easy to obtain my consumers report. & without reason they are making it hard to view.
Product: Debt collection

GENESIS CREDIT MANAGEMENT Account Number : XXXX {$17000.00} This was a result of Identity theft. I have been dealing with this for over a year with several other companies. I have had to change my Driver Lic, bank accounts, addresses, and several other things due to this. This has a very negative effect on my life and I need this removed from my credit.
Product: Debt collection

jefferson capital keeps contacting me about a debt i do not owe {$1200.00}. I have called in many times over the years to tell them that is not mine i have never had an account with the original creditor XXXX  XXXX XXXX and they stop for a while then continue to send me out written notices about the same account that i have already said i don't owe its been going on over seven years now i just found out about this resource your company offers so i reached out to get this resolved its not being reported on my credit so i couldn't file a dispute about it. its really just annoying at this point. 

JCS  Reference number XXXX account number XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and found billing errors under 15 U.S. Code 1666 ( b ), including : Failure to properly reflect payments/credits. Calculation or accounting errors. Lack of 21-day notice before the due date, so late payments shouldnt apply. I request proof from the creditors records that I missed a payment and was marked late. Please correct or remove these errors immediately, or I will pursue legal action under 15 USC 1681n. Despite previous disputes, the following errors remain : XXXX ( XXXX ) - late dates incorrectly reported in XX/XX/year> and XX/XX/year>. XXXX  ( XXXX ) - update payment status to " Pays as agreed. '' Please address these promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete ASAP.