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

I have notified chime and also been notified by emails as well of my SSN, dob and personal information has been use on two bank accounts that's is FDIC insured with the government. The name of the bank I'm with is XXXX. I'm not sure how my information was use on two different banks but my account is under my Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now this other account I don't have the phone number right away but it is on the XXXX XXXX works account or check free score which shows many records of multiple things of my information being use. I filed a federal trade commission and consumer financial report as well. I am a gold metal olympican of XXXX '. 
I filed a complaint with XXXX XXXX and XXXX XXXX for himself of being the first as right now. I have not heard anything back. 
I did filed a mandamus petition in XXXX XXXX XXXX XXXX for a criminal case XX/XX/XXXX which was filed on XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX I'm not sure why my first offender isn't there anymore but I do know XXXX open XX/XX/XXXX. The same month XXXX  open and I taken my conviction in XXXX XXXX XXXX.im not sure if it has anything to do with that XXXX XXXX investigation but I don't think it's fair for me as a young XXXX entrepreneur from XXXX XXXX trying to do what's right. I'm a Olympican gold metals of XXXX ' in XXXX for basketball and I want something to be done about this Lawyer XXXX XXXX XXXX XXXX XXXX I been having a hard time opening cd accounts brokerage trade account and etcs
Product: Credit reporting or other personal consumer reports

I contacted these credit reporting agencies multiple times to inform them of the multiple inaccuracies and the illegal reporting and furnishings of the information hours presenting but have not received satisfactory response or legal documentation are requested. Instead, they continue to deny my ride to dispute inaccurate, misleading and illegal information that it's already caused actual damages by sending a response of verified. Are we do not believe this is you? When asking for the description of the procedures used to verify the response is not compliant and unsatisfactory to the FCRA the CFPB the FTC. And even their own CDIA compliance standards.
Product: Credit card

I want to address the issue I had with Discover in relation to my complaint filed with the CFPB. On the unfortunate day of a robbery, my XXXX with the phone number ending in **** was stolen, along with multiple credit cards and bank debit cards, including my Discover card. Since I hadn't received the official police report at that time, I promptly reported the incident to the police and provided Discover with the police report number Discover assured me that they had reached out to the police department to obtain the police report with number I had given. However, due to the unfortunate circumstances surrounding the theft, I had to take immediate precautionary measures, including changing both my phone number and email address to prevent access to all my financial accounts, including Discover, through apps on the stolen XXXX. 
In XXXX, I filed a fraud claim with Discover for unauthorized charges. They reissued me a new Discover card, but unfortunately, it became compromised due to the transfer of app information through XXXX. It wasn't until 2023 that Discover finally started investigating my fraud claim, which caused significant delays and challenges for me. 
To my dismay, Discover is now refusing to compensate me for the fraud charges and even recharging me for the charges that I had already paid while they were supposed to be investigating my fraud claim. This has not only resulted in financial strain but has also negatively impacted my credit score. I strongly believe that this may be in retaliation for filing a CFPB Report against them Discover has decided to close my account. 
I am seeking resolution and fair compensation for the fraudulent charges and the damages to my credit caused by Discover 's handling of my case.
Product: Mortgage

XXXX XXXX / XXXX / {$270000.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors f
ailure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I submitted a dispute letter to you recently and received a response that is nothing more than a stall tactic. The error on my credit report that was addressed is inaccurate and your refusal to comply with my dispute request is not acceptable. This is your final chance to resolve the inaccuracies on the item : XXXX XXXX XXXX  XXXX XXXX
Product: Credit card

A person called claiming to be from Key Bank stating I had applied for a credit card online. They said they were verifying and knew the last 4 of my SS #. This was a woman with a strong accent from XXXX or XXXX. The number was a local number and she gave a local Key Bank address. 
I did not apply for any CC at Key Bank.
Product: Credit card or prepaid card

I arranged auto payments thru Kohl 's credit account management. I selected " pay in full '' each month and provided my checking account information. For several months, the payments were timely but in XX/XX/XXXX, the payment was not made due to Kohl 's error, no changes to my checking account and my balance was sufficient. I was not notified about the late payment until XXXX, after it was reported 30 days late. Immediately, I paid the entire balance and closed my account when they refused to correct the negative report. Kohl 's ultimately reversed all late fees and sent a check to me. I made two written requests to Kohl 's ( XXXX and XX/XX/XXXX ) detailing their error and offering proof of prior auto payments yet they refuse to correct the error. I advised Kohl 's that they even reversed the fees and this is the sole negative remark on my entire credit report which is resulting in increased mortgage interest, aka financial damages. I was a loyal Kohl 's customer over 10 years and my credit report is otherwise flawless. I have a strong history proving all of my accounts are paid in full monthly. This is an auto payment error on their side.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested via dispute to have two fraudulent accounts removed from my credit report. I submitted all the required information per FCRA 605B. Request was submitted to Equifax on XX/XX/XXXX, via online dispute and corresponding information was faxed per the company 's request as well as uploaded to the dispute. I called the company on XX/XX/XXXX at XXXX and spoke with XXXX, who told me the request would take 30 days to process and they received my request from the mailing department where I faxed it to on XX/XX/XXXX. I advised XXXX that by Federal Law, information regarding identity theft and fraud accounts should be blocked, per FCRA 605B within 4 business days of receipt of the following information : ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

I provided Equifax the following on XX/XX/XXXX 1. ) Appropriate proof of identity attached, drivers license and social security card. 
2. ) Copy of identity theft report from law enforcement agency which states which accounts are a result of identity theft. 
3. ) This letter which identifies which information should be blocked 4. ) Attached notarized statement of fact that this information is not related to any transaction by me. 

It is over 20 days later and this information still appears on my credit report for XXXX XXXX and XXXX, although other credit reporting agencies has already removed the said information. XXXX asserted that the process within Equifax takes 30 days. I continued to ask why they were omitting the law, and setting their own timeframes and she kept reiterating the 30day timeframe and had no answer as to why they were not removing the information, although all the correct information had been received. At this time Equifax is in violation of FCRA and Federal Law. 

Please note, in this phonecall Equifax admitted to having all the information needed, however will still process within their timeframe and not the timeframe determined by federal law. I suggest pulling this phone call for record.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Bank USA reported on my credit report ( XXXX  ) that I made a late pymt on XX/XX/2018. During that time, I was on military leave. I communicated with Capital One by phone, prior to my leave, to automatically withdraw a pymt from my bank account. 

The pymt was never withdraw from my bank account and the pymt was late.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> and XX/XX/year> I was notified that hard inquiries were completed on my credit report by Capital One NA XXXX XXXX XXXX XXXX XXXX XXXX Utah, XXXX. I did not authorize any hard inquiries to be made by Capital One. I did not submit any applications for credit with Capital One.
Product: Credit reporting or other personal consumer reports

Wells Fargo was sending the correspondence ( bills ) to the wrong address and reported me to the credit bureau as delinquent causing my credit score to go from a XXXX to a XXXX. How is it my fault when they were the once responsible for the error??? XXXX XXXX ( the company I got the loan through ) had all my information correct as it was given to Wells Fargo, they input the wrong address and punished me for their error. I want my credit score returned to what it was.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : XXXXXXXX XXXX XXXX Also Known As : XXXXXXXX XXXX XXXXXXXX Former : none Date of Birth : XX/XX/year> Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Previous Address ( es ) : XXXX  Employers : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I initiated a complaint against XXXX in regard to 15 accounts not being reported correctly on XXXX XXXX and XXXX. I initiated a dispute to the credit bureaus and contacted XXXX. XXXX is very argumentative with me and refuses to correct information. I believe the deliberately and erroneously account balances after my loan consolidation was completed. 

XXXX continues to say to me that they need copies of my credit report and that I need to show them what is being reported so they can correct the accounts. The credit bureau ( Trans Union ) blames XXXX for reporting account balances after loans where consolidated XXXX XXXX 2017. There seems to be some conflict between the credit agency and what XXXX is reporting and I am arguing with the credit agencies and XXXX.
Product: Debt collection

I was charged for equipment that I returned but the company said that I did not return and charged me. I sent it in the mail. I should have no charges after my return
Product: Credit reporting or other personal consumer reports

The following inquiries were not authorized by me and I request removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am demanding the removal of the collection : XXXX XXXX XXXX I am demanding the removal of the following incorrect information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Wells Fargo Home mortgage company has lied to me on several occasions during my attempts at a loan modification. The assured me they would have my file transferred to a home preservation specialist in time to meet deadline on the Making Homes Affordable program.That did not happen, so I no longer qualified for that program They denied my modification and appeal, saying that it conflicted with with bankruptcy, even after my attorney told them we could adjust the bankruptcy to fit there terms.
I requested another chance at a loan modification, stating my finances had improved and they said they would send me out another packet, but after not receiving one, I called to see what 's up and they said they were not going to let me re- apply.
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At one point a supervisor said they needed till the middle of XXXX to make a decision, but it turns out that the decision had already been made ( appeal denied ) and they were trying to bide time for bankruptcy protection to end so they could start foreclosure process. The last Specialist that was assigned, never talked to me once and never returned one phone call.
If I had n't called, I would have never known. Usually takes 2 weeks to get a letter from them that is dated way back. They write them and date them but do n't send them out, so everything is 2 weeks behind, which cuts down responses time.
At one point they said I was approved and then came back and said, oops we made a mistake, you 're denied. I have ask them for 2 months to sell the house, for I have equity, and they refused, so now they are going to start the foreclosure and I will loose all my equity. This has been a most horrific experience. It all started due to medical issues, which I have recovered from fully and I am in full swing again, except I am going to loose my house.
Product: Student loan

XXXX XXXX - 1st found out that I had Sallie Mae loans in my name ( XXXX ) and federal ( XXXX XXXX ) and have determined that XXXX XXXX obtained these loans fraudulently without my authorized signature, and also without loan entrance counseling. I contacted Sallie Mae Allegations and Fraud Department, Office of the Customer Advocate, police department, XXXX XXXX, XXXX, Florida Attorney General, XXXX XXXX XXXX. I have documents ( time sheets ) that show that the date all the federal and Sallie Mae loans were applied for, reviewed, acknowledged, processed, and signed for that I was at my place of employment with no access to a computer and social media that evidences that after work I was at a dealership test driving a car. I also received no benefit from the loans as XXXX XXXX misrepresented and when I requested XXXX as my major, XXXX told me I had to take XXXX XXXX first ( which I found out in XXXX XXXX that XXXX XXXX did n't even have a XXXX program at XXXX in XXXX XXXX when I applied! ) I now have totally useless credits from XXXX XXXX and have begun college education all over again, from the very beginning. 
XXXX XXXX - submitted paperwork to Sallie Mae  Allegations and Fraud, as instructed by XXXX in the Sallie Mae XXXX XXXX, with police report, affidavit, and documentation. 
XXXX XXXX - Sallie Mae denies my loan discharge due to fraud. I request IP address of where loans were generated, and am denied this information. I believe the IP address would further validate my documentation that these loans were obtained fraudulently in my name without my authorized signature. I also request documentation of their investigation as to why the discharge was denied, and am also refused this information. XXXX XXXX - I resubmit documentation with new evidence that my Sallie Mae loans were obtained fraudulently and with no loan entrance counseling ( this is a federal mandate ). I sent this paperwork to Sallie Mae Allegations and Fraud and Office of the Customer Advocate. Calls have been placed in regards to status and determination, as well as certified letter sent XXXX XXXX XXXX requesting update. I have received no update or decision or request for further information from either Sallie Mae Allegations and Fraud Department, or Sallie Mae Office of the Customer Advocate as of today, XXXX XXXX. One phone call placed to XXXX XXXX. and XXXX stated that XXXX, my XXXX XXXX would be calling me to discuss. I have never received a call from XXXX. I would like the IP address and status update that customer service has not provided. It has been over 2 months since filing my appeal for loan discharge based on fraudulent loans, and I have had no communication from Sallie Mae. They also began billing me for interest for the fraudulent loans, even though I am still in school, and I have filed for fraudulent loans, and have requested loan payments to stop. I am fearful to stop paying them, as I do not want to jeopardize any financial aid grants I may qualify for as I have begun all over again my college in XXXX XXXX. 
XXXX XXXX, XXXX - still no response from Sallie Mae.  Thank you very much for your help.
Product: Checking or savings account

XXXX sent me a refund back to my chime bank account, chime had closed my account and they stated a month ago that they were going to send my money to my home address, now a whole month has passed and I still havent received my money so I called chime again to get an update and an agent stated I wasnt eligible to get my money back then the supervisor told me that I had to pay him in order to get my money back this is crazy and illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having problem with Experian Credit Bureau and XXXX I sent so many letter and XXXX  send me the result and the stuff was remove and those two credit bureau refuse to remove all I am getting from Experian verified updated and meanwhile XXXX  is deleted/ removed them from my report XXXX XXXX XXXX XXXX was removed from my XXXX account but still showing three time same thing on my XXXX   and Experian credit report and they refuse to remove it please update it between XXXX  on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX was removed also from my XXXX  credit report and Experian and XXXX  still have it in the system please remove it was removed from between XXXX  on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX ( medical Group XXXX  was removed XXXX XXXX XXXX was removed ( XXXX XXXX XXXX
Product: Debt collection

The company called at XXXX XXXX This is not the first instance. They are harrassing me.
Product: Credit card or prepaid card

I was  denied a Synchrony BP Gas ca rd in  XXXX   XXXX . I applied a second time and they pulled multiple credit reports against my credit, The fraud department removed  XXXX  inquiry but would n't remove the other inquiries from  XXXX  and  XXXX  credi t Reports. Synchrony Bank had all   XXXX   credit bureaus notified that I committed fraud by applying for BP credit account. How can I commit fraud when it was me the consumer applying for credit? I still have fraud alerts on my credit reports with   XXXX   XXXX   XXXX   XXXX   to this day all because I asked them to remove those excessive credit pulls! It gets even better now that I provided some history with applying for BP Card with Synchrony Bank. Received an preapproval for BP Gas card via em ail around  XXXX   XXXX . Like a fool I applied again since I was preapproved. I ended up again getting declined. It gets even better. I received an letter from Synchrony Bank dated  XXXX   XXXX ,  XXXX . This letter stated that I was declined in error for BP Gas card I applied for back in  XXXX   XXXX . There was an attached letter stating all I had to do was sign the letter and send it in and I would received the card as long as it was sent in 30 days. I mailed letter twice because there was  XXXX  different post office box address for  XXXX  Florida where I was suppose to return the signed letter in order to receive my BP Gas Card, I have been a customer with this bank for many years. I currently  have a Walmart, Amazon and American Outfitters accounts with this bank, I find this banks behavior totally unprofessional and will be filing additional complaints.
Product: Credit reporting

TRANSUNION STATES INQUIRIES ARE FACTUAL DATA AND CAN NOT BE DISPUTED. THE FCRA STATES THAT ANY DATA ON YOUR CREDIT FILE THAT IS NOT VERIFIABLE IS NOT FACT AND SHOULD E DELETED ASAP
Product: Vehicle loan or lease

My complaint is against Santander consumer for a auto loan on a car that was repossessed my information was entered into the class action lawsuit nj had against them i have not received any restitution or had this loan removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent the sent the credit bureaus 4 letters advising them of issues with the reporting and each time it has come back verified ... .how can a debt be verified when the reporting is innacurate? this is a violation and i would like this account deleted immidiately i have attached a letter stating that the date i opened the account, the balance, the charge off date, and date of last payment and you will see how inaccurately the credit bureaus are reporting this violation. I have also attached a copy of my credit report so that you see the discrepancies in the reporting the account was opened XX/XX/XXXX the balance is {$9000.00} the charge off date is XX/XX/XXXX and date of last payment was XX/XX/XXXX Transunion is reporting date opened XX/XX/XXXX the incorrect balance of {$9000.00} the incorrect charge off date of XX/XX/XXXX and the date of last payment of XX/XX/XXXX XXXX  is reporting the inaccurate date of open of XX/XX/XXXX the incorrect balance of {$9000.00} the incorrect charge off date of XX/XX/XXXX the date of last pay of XX/XX/XXXX XXXX   is reporting the inaccurate date of open of XX/XX/XXXX the incorrect balance of {$9000.00} the incorrect charge off date of XX/XX/XXXX the incorrect date of last pay of XX/XX/XXXX