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

XXXX XXXX XXXX XXXX - Closed Exceptional payment history Account Info Hover over labels for more details Account number XXXX Account status A brief message describing the status of the account. Accounts may be open, closed, unclassified, or unknown. 
Closed Date opened XX/XX/XXXX Account type Secured Loan Balance on XX/XX/XXXX Loan Amount - {$9200.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Original loan amount {$9200.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NA - - - - - - - - - - XXXX - - - - - - On Time NA No Applicable Payment History - Data Unavailable XXXX XXXX XXXX {$2000.00} Balance updated XX/XX/XXXX Exceptional payment history Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Revolving Usage : 20 % Balance on XX/XX/XXXX Credit Limit {$2000.00} {$10000.00} Payment Info Status Pays account as agreed Status date XX/XX/XXXX Past due amount - Highest balance {$7000.00} Monthly payment {$240.00} Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - - - - - - - XXXX - - XXXX - - - - - - - - - - - - XXXX - - - - - - - - - - - - XXXX - - - - - - - - - - - - On Time - Data Unavailable deleted items that was mine XXXX XXXX XXXX XXXX Closed Exceptional payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance on XX/XX/XXXX Credit Limit - {$750.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Highest balance $ XXXX Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NA XXXX XXXX XXXX - - - - - - On Time NA No Applicable Payment History - Data Unavailable add back XXXX XXXX XXXX Closed Exceptional payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving Charge Account Balance on XX/XX/XXXX Credit Limit - {$5000.00} Payment Info Status Paid satisfactorily Status date Date the creditor last reported information about the account payment status. 
XX/XX/XXXX Past due amount - Highest balance $ XXXX Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NA - - - - XXXX - - - - - - - On Time NA No Applicable Payment History - XXXX/XXXX XXXX XXXX Closed Exceptional payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened Indicates the date an account was opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance on XX/XX/XXXX Credit Limit - {$0.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Highest balance {$2000.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NA - - - - - - - - - XXXX XXXX XXXX - - - - - - add this back on
Product: Student loan

I am the parent who took out this  XXXX   XXXX   ( Navient ) p rivate loan for my daughter. They listed student without income as co-signor. They have been promising to remove her and have not done it. Now they want to run a credit check on me to see if I qualify to have her removed. This is ridiculous and unfair to me as the consumer. Please add this to your list of complaints and make part of the current lawsuit. On  XXXX / XXXX /   17  I will submitted the cosignor removal form and proof of my income. A total invasion of my privacy when the student should HAVE NEVER been listed as a co-signor.   XXXX  This bad practice almost cost my daughter the ability to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX In accordance with the fair credit Reporting act XXXX Accounts # XXXX & # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.

Also I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Checking or savings account

The Bank of America foreclosed my checking account with a balance of {$5000.00} despite the fact that I filed police report and check fraud claim with the bank.
I was a victim of a check fraud through a customer of the bank this is because   XXXX   XXXX   mailed two checks to my address under the instruction to pay sum of {$6500.00} to   XXXX   XXXX   with acct no -  XXXX   and   XXXX   XXXX   XXXX  , the sum of {$7900.00} with acct no-  XXXX   all in the Bank of America.
After the transfer into these two accounts at the Bank of America the two checks went bad. The bank ought to have protected me as a customer by not allowing these two transaction go through.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant XXXX XXXX XXXXy. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX/XXXX/2021 XXXX XXXX XXXX/XXXX/2021 XXXX XXXX/XXXX/2021 XXXX XXXX XXXX/XXXX/2021 XXXX XXXX/XXXX/2021
Product: Checking or savings account

On XX/XX/2020 I opened up a chime account in order to get my pua assistance. On XX/XX/XXXX I received an email from chime stating I had received a deposit of {$2700.00} dollars. Then later that day received another email to confirm another deposit of {$9600.00} was also deposited onto my chime card.During this time I still have not received card in mail. Then on the XXXX I received an email stating they closed my account and was not eligible for refund because I some how violated there amendment # 9. I did not receive my card until the XXXX. So I called the number provide by chime and when you call they ask to type in phone number so they can access the account so I do that but then an automated message comes on and says I'm sorry your account has been closed and then it hangs up. I've filed with the Bbb but haven't received a response in over 3 weeks. So now I'm trying to see what you can do to help me.in this situation. Thank you! 

XXXX XXXX
Product: Debt collection

My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX Ca. XXXX on XX/XX/XXXX, I got a letter from Diversified Consultants , Inc . 
XXXX XXXX XXXX XXXX, FL XXXX XXXX Diversified continue to call us from XXXX This letter was a collection Bill for {$220.00} Creditor XXXX I called the Diversified collection company the 2 times since they continued to call, and explain that I never had XXXX phone Service and I never lived at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Ca XXXX. I was told not to worry about it but they continue to call. 

We than call XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXXXXXX and fraud department XXXX with the same response. 
We will fix it but we dont know when. 
My credit score drop 20 point and we can not get them to fix it, this account is not mine
Product: Debt collection

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX : The credit inquiry named XXXX XXXX XXXX XXXX XXXX damaging my credit rating. Provide full documentation regarding the circumstances surrounding your release of my credit report, XXXX, pursuant to the permissible purpose provisions of the Fair Credit Reporting Act? The inquiry was placed on my consumer file on this date : XXXX, XXXX If you can not provide such documentation, you are obligated to remove the offending inquiry at once. Sincerely yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : I am very concerned regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA XXXX A credit inquiry for XXXX XXXX was  placed within my credit file in XXXX, XXXX. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon XXXX to follow the law : Either provide documentation that the law was followed by contacting XXXX XXXX XXXX XXXX or remove this offending inquiry as soon as possible. 
Yours truly, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX : The credit inquiry named XXXX XXXX XXXX  is damaging my credit rating. Provide full documentation regarding the circumstances surrounding your release of my credit report, XXXX, pursuant to the permissible purpose provisions of the Fair Credit Reporting Act? The inquiry was placed on my consumer file on this date : XXXX, XXXX If you can not provide such documentation, you are obligated to remove the offending inquiry at once. Sincerely yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : The credit inquiry named XXXX XXXX XXXX is damaging my credit rating. Provide full documentation regarding the circumstances surrounding your release of my credit report, XXXX, pursuant to the permissible purpose provisions of the Fair Credit Reporting Act? The inquiry was placed on my consumer file on this date : XXXX, XXXX If you can not provide such documentation, you are obligated to remove the offending inquiry at once. Sincerely yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am very concerned regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA XXXX A credit inquiry for XXXX XXXX XXXX was placed within my credit file in XXXX, XXXX. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon XXXX to follow the law : Either provide documentation that the law was followed by contacting XXXX XXXX XXXX at once, or remove this offending inquiry as soon as possible. 
Yours truly, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a hard inquiry on my credit report. I discovered this unauthorized inquiry while reviewing my credit report from XXXX, XXXX, and TransUnion on XX/XX/2024. The inquiry in question was made by [ Name of the Company that made the inquiry ] on [ Date of Inquiry ]. I did not authorize this inquiry, nor did I apply for any credit or services from this company.

I am concerned that this unauthorized inquiry may negatively impact my credit score and reflect inaccurately on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information I believe to be inaccurate or incomplete.
Product: Mortgage

The mortgage company increased my payment by over {$600.00} a month They said it was because of escrows I have emails that I am at a 4 % ratio which is XXXX XXXX XXXXXXXX they will not respond all they do is tell me to mail a letter which I have done
Product: Checking or savings account

I am unsure as to where to start with this ongoing issue I have been having with USAA. However, it started in  XXXX   2017 . On the  XXXX , I noticed some fraudulent activity with my Checking account and filed a fraud case and had my bank card suspended and replaced. The bank told me on or about  XXXX   XXXX  or  XXXX  that they were no longer conducting business with me and that the fraud case would take up to 75 days and that my funds would be available to me after the case was over.     The end of  XXXX  I realized that my  XXXX  check had already been sent to USAA and I spoke to them on that day (  XXXX   XXXX  ) and the  XXXX  of  XXXX  to try and figure out what I could do as far as the funds of my check. I was informed that I was to wait  60 c alendar days.     I called last week,  XXXX   XXXX , and was asked to call back on the following Monday,  XXXX   XXXX . I called again and was asked if it would be okay that they call me back with a resolution, when and if found. I accepted. I did receive an email the beginning of  XXXX   (  the  XXXX  to be exact ), that the Fraud case had been resolved and nothing on my part to do because the transactions were not mine.     Today,  XXXX   XXXX , I received a letter in the mail that my 'USAA  Federal Savings Ba nk Accou nt ', bei ng the Checking Account #  XXXX  was being closed as of the date of the letter,  XXXX   XXXX ,  2017 . I have been calling  XXXX  and then in  XXXX  about my funds sent from  Veterans Affairs and whether they can send me my money to my new banking account or not and  am still awaiting an answer.     With the letter, I continue to be told to call if any questions. Up until now there is no resolving this issue with the bank 's customer service because the run-around does not stop with them but only continues after being placed on hold for ab out 15 minutes at  the least, each time, at least once.
Product: Money transfer, virtual currency, or money service

I made an small investment, around {$150.00}, into bitcoin through the wallet application know as Coinbase. I was allowed to add my bank no problem, be charged for my transaction but am constantly being refused ID verification, with an error message reading that I do n't have enough presence in public data. I have a valid ID, a Valid bank account with which i invested already but dont have enough presence to be given the same treatment as someone else verifying their ID. I would like to have free range on my investment and not be locked in to a system that only allows me to invest but not profit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been on an income based repayment plan of {$0.00} in XXXX my student loans were marked as being late when they were supposed to be listed as current like every other month prior. I spoke to a represented shortly after in XX/XX/XXXX in was told that the late payments would be removed from all XXXX of my student loans, but it hasnt been updated on my credit report, I've spoken to another rep and was told no lates were ever reported. 
I would just like the late payment from XXXX and XX/XX/XXXX removed from my credit report from each of my student loans showing on my credit report. Updated to Paid as agreed never late.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. the fair reporting act. XXXX XXXX XXXX XXXX HARD INQUIRY ON CREDIT REPORT Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX info Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type XXXX XXXX XXXX Contact info Address XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX Phone XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type XXXX XXXX XXXX Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. i did not give written consent also these accounts are fraudulent these accounts where disputed years ago and the reporting agency still have not deleted these accounts listed this is a violation to my rights please delete asap
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX Violated my rights 15.USC 1681 section 602 A states I have rights to privacy 15 USC 1681 section 604 A section 2 : states consumer reporting agency can not furnish an account without my written instruction 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer plan as late for any reason.. 
The information reporting to my Experian doesnt match the information on my XXXX and XXXX its really affecting my credit and I need this late payment removed from my Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of the XXXX data breach of XXXX and the XXXX XXXX XXXX XXXX  data breach ACIMA DIGITAL FKA SIMP acct # XXXX {$2000.00} is not my account
Product: Credit card or prepaid card

This complaint is in reference to existing CFPB complaint XXXX. On XX/XX/2023 I contacted Bank of America Fraud Dispute Department and requested copies of the evidence the merchant provided to the bank so I can review their evidence and challenge, but the bank has refused to send me the requested documents. Bank of America is also using the same flawed automated fraud filter for deciding all fraud disputes. See CFPB XXXX XXXX XXXX. XXXX.
Product: Debt collection

The debit collector is ad astra recovery services. I have gone through so many things trying to get them to understand I was a victim of identity theft in  XXXX  and the only way I found out about it was trying to file state taxes, someone was able to file taxes in my name using my social security number, I have submitted documents from the IRS to them showing them the supporting documents. I have never received anything in mail about this account nor have I ever received any phone calls. This information was placed on my credit report and that was the way I found out someone had taken a loan out in my name. The amount posted was {$720.00} that was placed in  XXXX
Product: Credit reporting or other personal consumer reports

I asked the companies and the credit Bureaus to send the original wet ink signed documents and all documents related to the opening of these fraudulent accounts on my credit profile. Under the Fair Credit Reporting act Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify-through the physical verification of the original signed certified consumer contract. I demanded to see a copy of the verifiable, validated proof ( an original consumer contract with a wet-ink signature on it, copies of copies are not validation and by law are not considered proof ) that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. Transunion, Equifax, nor Experian DID NOT validate proof as instructed as a result I have been damaged. The accounts that I Need removed are Bankruptcy XXXX  XXXX and Bankruptcy XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX.
Product: Payday loan, title loan, or personal loan

I applied for and was approved for an online loan thru Amplify Funding. The loan was presented as an installment loan however, when the payments began to be drafted from my checking account I quickly realized this was a payday loan with extremely high rates/finance charge. I called and inquired about the loan and was advised I was locked in and had to pay the entire amount indicated on the extremely long contract. I was able to pay back the 1st loan with Amplify Funding but I had to reapply to be able to pay other financial responsibilities and feed my family. I was having a discussion with a friend and they advised payday loans are illegal in the state of Pennsylvania and I was advised to contact CFPB to see what my rights are as a consumer and to see if I can possible be responsible for paying the principal of the loan only. My loan/lender information is as follows : Amplify Funding - XXXX Amount Financed : {$1700.00} Annual Percentage Rate Charged : 683.98 % Finance Charge, the dollar amount the credit will cost me : {$4100.00} Total Payments, the amount I will pay after all payments are made : {$5800.00}
Product: Debt collection

The hospital placed my account to XXXX and ARSTRAT. The account was paid in full to the hospital on XXXX/XXXX/2016 with electronic receipt, but I continued to receive mails from ARSTRAT. They also offer no electronic communication channel for communication. I was n't able to get through their return call number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion XXXX and XXXX is reporting a XXXX  reported by XXXX XXXX  not by a court and should be removed immediately 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX My only employer is :XX/XX/XXXX My only telephone number is : XXXX Please remove all other names associated with my report, since they are inaccurate. 

Please remove all the other addresses from my report, as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of significant concern regarding my credit report. Upon a recent review, I discovered what appears to be a fraudulent account listed on my credit report, which I believe has been opened without my knowledge or authorization.
Product: Credit card or prepaid card

XX/XX/2023 Capital One did a hard inquiry on my credit that I didnt authorize. I have contacted capital one. Told them I am a victim of identity theft and I didnt authorize any credit card application on XX/XX/2023. The lady assured me they shut down the online application but she instructed me to file a report with identitytheft.gov
Product: Checking or savings account

In trying to establish a stock account with XXXX and XXXX, a deposit must be made. PNC will not allow these institutions to connect with my back account. This is not an available funds issue as I currently have over XXXX available. Any help to resolve this issue is greatly appreciated.