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

While making a purchase at XXXX XXXX, I was talked into signing up for a card in order to get a discount ( even though I was planning on paying directly ). With many people in line behind me, the signup went fast and the information given kept to minimum. After that I never received information about the card from XXXX. I never received a card, never knew the account number and never knew the card number or that an entity named Fortiva was in charge of it. 

Some time after I tried to pay by calling XXXX several times and even going there in person. Every time I was told they had no account associated to my name or SSN. Several times I tried to comb my email ( junk and inbox ) and the XXXX website, looking for ways to make a payment. All these attempts failed and I couldn't figure out how to pay. I tried combing through the XXXX websites as the XXXX site mentioned their cards were handled by XXXX. All in vain. 

After months of frustration and stress over this, I accidentally found text messages in my " Unknown senders '' folder, it alleged to be from a company named Fortiva, and mentioned a " XXXX '' account. It looked like a scam, but since it said XXXX I eventually decided to look up that link, though concerned it could be a phishing attempt or a virus nest. The webpage had several bugs ( one of my red flags for scammers ), and was very simplistic, asking for payment information but without the usual options. I found it to look very suspicious and was worried to submit payment information through it. I then called XXXX asking if they knew anything about Fortiva, they didn't. Having no other recourse, I kept calling the only trusted party, XXXX, asking about Fortiva. Eventually, an XXXX agent knew of Fortiva and explained they provide services for one of the XXXX card ; she reassured me that Fortiva would have my account information and gave me their phone number. I noticed the number matched the one on the suspicious text messages so I called them. 

I explained the situation, offered to pay in full and requested for late fees to be lifted, given the situation. They initially refused and eventually committed to lift a couple of them ; by then there were several late fees. It seems like a scam to me, they fail to provide proper payment information ( no letters, no emails ), only suspicious text messages and payment page that doesn't instill confidence. I imagine I'm not the only one falling for this and I feel that they need to correct these business practices.
Product: Credit reporting or other personal consumer reports

I am writing to report unauthorized inquiries on my credit report that I believe are due to identity theft. These inquiries concern credit card applications with XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX ( XX/XX/XXXX & XXXX, XXXX ), as reflected in my Experian report.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$3400.00} XXXX XX/XX/XXXX XXXX, XXXX  XXXX Balance : {$200.00} XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXXm depressed now.with no help.
Product: Credit reporting

XXXX XXXX refused to correct incorrect information it continues to furnish to credit agencies regarding a credit card account I closed in XXXX. XXXX XXXX reports an open XXXX XXXX Credit Card with a Revolving Account, an overdue balance, a status of past due, and missed payments. I did open an account with XXXX XXXX briefly on XXXX XXXX, XXXX, but I never made any payments on this account or used it in anyway and I closed the account in XXXX XXXX. XXXX XXXX kept this account open by mistake and mistakenly charged a {$23.00} administrative fee, despite that I had already closed the account and completed all payments. I was able to work with a customer service representative at XXXX XXXX and confirm the account was closed, and since XXXX, I have discussed this matter with other Customer Service representatives over the years, and they have confirmed that the account is closed and no payments are due. I have never received any notice of this account or any bill since XXXX. Yet XXXX XXXX continues to provide incorrect information about this account to Credit Reporting Agencies. This negative information is damaging my credit score. My negative credit score is impacting the rate at which I am able to obtain various loans and causing additional monthly payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inaccurate accounts on my credit report.

U.S.CODE 1611-CRIMINAL LIBILITYY for willful and knowing violationly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.

15 U.S.C. 6803 -Disclosure of Institution privacy policy 16 C.F.R 433.2 Preservation of consumer 's claims and defence, unfair or deceptive acts or practices.
Product: Checking or savings account

Chime Bank closed my XXXX with no warning in XXXX of XXXX. I made a desposit into my XXXX  and before the day ended I received an email from Chime stating they'd closed my account due to " fraud '' and that I would not be entitled to a refund. 

After calling the help line multiple times and being hung up on, the company ultimately asked me for additional documentation to prove I was the intended recipient of these funds ( despite the funds being transferred from the same direct bank account i'd used for the year and a half prior ). I sent in all requested documents and didn't hear anything back for weeks. 

Weeks turned to months, and each time I called in I was told that department was " only available via email '' and that I needed to just wait patiently for a response. When 6+ months passed I called and through a huge fit- only for them to request the same documentation as before, and then I was given the reassurance I'd receive my funds via check in the mail. It never came. 

Eventually they came back and said they did find my account wad fraudulent, so they closed it. When I reminded the company that I sent them proof that it wasn't, I was told " well your deposit was out of the guidelines ''. When I pointed out that it wasn't out of the guidelines I was told that I would get my refund within 2/3 weeks. Surprise, it didn't come ( again ). 

Chime has stolen the {$2800.00} I had in my account and hasn't been accessible via phone or email outside of dealing with a bot or a XXXX XXXX from the Philippines.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 or other personal consumer reports

I recently checked my credit report and realized the company is reporting unknown adverse information on my credit report concerning an alleged debt. I have no knowledge of any business with the company. And I also never engaged in any contracts giving the company consent to furnish anything on my credit report. I feel extremely violated and upset that my privacy would be invaded in such a way. And that my identity would be used without my consent. The company 's actions have damaged my credit rating and hindered my access to credit. The company has violated FCRA permissible purposes of consumer reports, by furnishing unknown transactions to credit reporting agencies without my written consent. The company has also violated FDCPA 1692e by communicating with me concerning the false character, amount, and legal status of the alleged debt. And stating that I owe that debt. 
According to 15 USC 1681i ( 5 ) t
he credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ), the credit bureaus do not have written permission.

According to 15 USC 1681, I have the right to privacy. 

According to 15 USC 1681s-2, 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is furnishing inaccurate information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. XXXX XXXX charged off the account for which they recieved a tax break and did not SEND ME MY FORM 1099-C they should have sent it when they Filled the account as a canceled debt. The IRS Clearly defines a charge-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which makes the reporting of the account inaccurate! By Definition, The IRS Clearly says a Cancelled debt or Charge-off is Income. The reporting of this account as a debt is inaccurate. 
Not only did they do such an act, but they also sold the charged-off account to a third-party collection agency which is now harassing me to pay a debt that I do not owe them. All of this constitutes tax fraud and I will file a 3949A form with the IRS IMMEDIATELY. 

I requested original documents and procedures from TransUnion, XXXX, and XXXX because they keep updating the information when disputed as verified and they did NOT provide me a copy of ANY original documentation required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC1681i ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.

As a consumer, my rights have been violated entirely, these organizations will fully and fraudulently withheld pertinent information to suit their agenda.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to an apartment complex because i need to relocate. i received an adverse letter from XXXX due to negative reporting on my consumer credit report. I the consumer was never given an option by apple  card to opt-out of reporting nor was given the required disclosures explaining I had the choice to opt-out, therefore Apple/ Goldman Sachs is in violation of 15 usc 6802 and 15 usc 1693l for waiving my consumer right in agreement.
Product: Checking or savings account

A popup blocked from XXXX that alarmed me that my computer was being hacked. I proceeded to call the number on the XXXX XXXX spoke to a XXXX representative he took control of my computer to check who was trying to hack my computer. It showed that a child XXXX site and other XXXX material as well was on my computer. He told me he had to track my computer to see who is hacking my computer that in the meantime call my bank to place a high alert on my account. So, I proceeded to call the toll-free number on the website. I called the bank number and told the bank representative to place my account on high alert. The bank representative told me that a XXXX XXXX dollars has been wired to XXXX at XXXX in the morning. He also told me that these hackers have my social security number as well. He proceeded to tell me that from his findings two banks in my area were involved with this transaction and an investigation within the bank had to be conducted. He proceeded to tell that my money in the bank should be placed encrypted I had to go to the bank and wire XXXX XXXX dollars to another bank address not to talk about it in the bank due to investigation so he gave me the address of another bank as to where to wire the money in the meantime he told me to take a picture of my driver 's license and text it to him to create an account to XXXX. He then instructed me to take XXXX XXXX dollars in cash go to the nearest XXXX XXXX and place the cash in XXXX. After I placed the money in the XXXX machine for some reason it did not feel right so I called the same toll-free number to my bank and explained what was being done. The bank representative told me I was being scammed she took a report over the phone and told me to go to the police to file a report, so I did that. These scammers have my social security number and license number how can I protect my SS and license. Please help me my identity is compromised. The bank told me they can not get my money back.
Product: Mortgage

The Heloc in question was established in XX/XX/XXXX with a 10yr maturity ( XX/XX/XXXX ) and interest only payments. The amount is {$82000.00} and there are no allowed advances. I had issues paying in XX/XX/XXXX when my wife lost her job but we were able catch up and get current. We have been current since and in 2nd half on XX/XX/XXXXXX/XX/XXXXalthough I made monthly payments every single month, unbeknownst to me the payments were short and they reported late payments to the credit agencies. The company rather than applied the payments to interest they decided to apply to principal. When I realized this in XX/XX/XXXX I quickly remediated the problem coming current with multiple payments in a span of 3 months. The loan was current as of XX/XX/XXXX when I requested a loan modification on XX/XX/XXXX. My understanding was that they were going to simply extend the loan given the maturity of XX/XX/XXXX. At this time we are in the process of relocating to florida for my job and my wife is without a job given the relocation. Since my application and after providing all the documentation the servicer requested byXX/XX/XXXX I have not receive any written ( fax or mail ) details with the decision on my loan modification. When I call to inquire about the decision I was informed that I will be paying {$2400.00} by XX/XX/XXXX and then {$850.00} the remaining 6 months. This is 10x my regular payment on 1st pmt and 3x there after. This not have the feel of a loan modification. In addition to make things worst I was informed that my credit report will be reflected negatively even if I make the outrageous payments they are requesting. At the moment all we are requesting if for an extension of the maturity date, to continue to make the Monty payments as we have been for the last 10yrs and to properly reflect payments to the credit agencies. In addition proper communication is expected. It 's been 2weeks since XX/XX/XXXX that I 've asked for details on the program and information on the investor. Both times the turnaround time for an email or fax is 3-5 days and it never gets done. I do n't know what the large payments are for or details behind the trial period. I need help speaking directly with the investor to come up with a reasonable course if action without affecting my credit reporting. At the end of the day I 've made all my payments to this loan and I 'm simply requesting an extension. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am dispute the inclusion of the address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX on my credit report. This address is incorrect and should be removed pursuant to Section 623 of the Fair Credit Reporting Act ( FCRA ) and Regulation V. 

As a consumer, I am entitled to accurate reporting of my personal information. The presence of this incorrect address on my credit report is not only misleading but also potentially damaging to my credit profile. I request that the necessary steps be taken to investigate and rectify this error immediately. 

Please provide confirmation of the removal of this address from my credit report at your earliest convenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the app XXXX XXXX to keep track of my scores. I recently logged on and many unknown accounts popped up with my name and social listed. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts has been trying to continue to open more accounts and inquiries were not made by me. Please take these fraudulent items off my report. 

XXXX XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX XXXX {$710.00} XXXX  XXXX {$960.00} XXXX XXXX XXXX XXXXXXXXXXXXXXXXX {$960.00} XXXX XXXX XXXX XXXX XXXX {$240.00}
Product: Debt collection

Dispute Regarding Unauthorized Collection Account XXXX XXXX I am filing this dispute regarding an unauthorized collection account reported by XXXX XXXX, associated with Account No. XXXX. 

- I have no agreement or contractual obligation with XXXX XXXX to validate this debt. 
- No verification or documentation has been provided to substantiate the legitimacy of this account, violating the FDCPA, 15 U.S.C. 1692g ( b ).

- Their access and use of my personal information are unauthorized, violating 15 U.S.C. 1681b.

- Reporting this unverifiable account breaches the FCRA, 15 U.S.C. 1681e ( b ).

I request the removal of this account from my credit file and confirmation of compliance. 

Thank you for addressing this matter promptly.
Product: Credit reporting or other personal consumer reports

Un-authorized inquiries XXXX XXXX XX/XX/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  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inaccurate Tradelines It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX Experian XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 

XXXX XXXX XXXX XXXX  Account : XXXX XXXXXXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXXXXXX XXXX Account : XXXX XXXX XXXXXXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX Account : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account : XXXX XXXX XXXXXXXX XXXX XXXX Account : XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXXXXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX Account : XXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXXXXXX Account : XXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX REMOVE ALL IN-ACCURATE ADDRESSES ASAP XXXX XXXX XXXX XXXX XXXX XXXX, MN