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

I'm an XXXXXXXX XXXX XXXX. Experian credit reporting company is deliberately putting false social security numbers on my credit report that is causing great harm for me to get a new home! On XX/XX/XXXX, I reported a fraudulent social security number on my credit file to Experian! This is like the XXXX time sunce XXXX! CSR with Experian stated the fraudulent social security number was on my account since XXXX! I just was made aware of this fraud social security number when it appeared on my Experian app in XXXX. 

Their employee discriminated against me by leaving the fraudulent social security number on my credit report and removing my real social number! They did this deliberately because I am XXXX XXXX. I made repeated calls for this to be fix and each and every time Experian left the fraudulent social security number on my credit file! And refused to remove it! 

I requested Experian to remove my full middle name from my file because I do not like the name! I requested they use only my middle initial! They have refused to correct this! I do not want Lenders or creditors to know my full middle name. 

This discrimination has been ongoing with Experian! Their discrimination and racism towards me has caused me great financial harm! Now with this fraudulent social security number they placed on my credit report us causing me to become homeless! I am un the process of moving and the fraud on my credit file is the cause of this! I spoke to Experian since XX/XX/XXXX to remove the fraud social security number! Instead the left the fraud social security number and removed my actual and valid social security number! This was done deliberately because I am an XXXXXXXX XXXX XXXX! Please help me be compensated for this ongoing discrimination by Experian.
Product: Credit card or prepaid card

I applied for unemployment in XX/XX/XXXX and my account was hacked and all my money was stolen after MONTHS of calling and after properly id me linking it to the bank of America and walking into a branch to have the employees talk to edd as well to confirm who I was this employee actually told me the address of where my card was shipped to, that was on XXXX XXXX I reported that day that everything prior to XXXX XXXX was a fraud on my account this totals XXXX I had to live throughout the pandemic without any income lack of representatives to answer at XXXX and bank of America. XX/XX/XXXX I went to the address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX the staff at this ups store told me I had mail and in order to get it i had to sign up for a box, so I did and the box name was under XXXX XXXX and XXXX XXXX and sure enough there was my card inside his box. I reported this to edd and to bank of America filed numerous fraud reports and still nothing, I am in major debt because of this and need help refunding me my money. an edd rep told me onXX/XX/XXXX that the issue was already sent to the bank of America to reissue the funds to me and it would take 7-10 days but nothing has been done.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting the following accounts are violating my rights.

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 that a consumer reporting agency can not furnish an account with out my written instructions. 

XXXX act. # XXXXXXXX XXXX  act. # XXXX XXXX  act. # XXXX XXXX XXXX XXXX XXXX. # XXXX Also these inquiries reported on my credit report don't belong to me : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

I have been a Banana Republic Credit Cardholder since XX/XX/XXXX. I have always paid this card on time and have tried to keep it in good stance. I found out today XX/XX/XXXX that my account was reported to the credit bureau and Synchrony Bank Closed my account. I had called the bank and explained that I was in the hospital for almost 4 months for a preexisting condition. I have never missed a payment and called them to advised to them of the information as to why I was not able to make payments the last 4 months. I also explained that this was not the only account that I was doing this reporting with because of the circumstances. I was never sent and email, txt notification, or mailed letter to tell me why my account was closed. I called back in XX/XX/XXXX and spoke to the customer service department about the issue and also advised that there was a payment on that was canceled due to it being set for the wrong amt. I know that payments need to be canceled within hours before XXXX if not it will process and the person will not be able to cancel. 
XX/XX/XXXX XXXX ONLINE PAYMENT THANK YOU {$120.00} XX/XX/XXXX XXXX ONLINE PAYMENT THANK YOU ( {$120.00} ) canceled online before the due date and was reassured that my account would be credited back this would not effect my account. However the interest would still apply even though my account was credit back the late fees the interest was not. also I do not see the credit report was updated to reflect corrections. so my report is showing that this account is closed and still has a high balance which as of today XX/XX/XXXX {$85.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX credit card shows up on my credit score as being HIGH BALANCE. I told XXXX to tell XXXX, XXXX, and XXXX to REMOVE themselves from my credit score because I AM A VICTIM OF IDENTITY THEFT and FRAUD. SEE POLICE REPORT. MY CREDIT SCORE IS DAMANGED and REMOVE balance.. THEY NEED TO REPORT TO ALL XXXX AGENCIES NOW TO REMOVE. I have been making mimimum balance payments because XXXX has ignored me and I do not want my credit to be further harmed. I have been telling them to help with this for over 1 year.
Product: Checking or savings account

XXXX  XX/XX/2020 I was unable to open a personal checking account.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXXXXXX 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

NCA is charging me {$3500.00} for a {$2700.00} debt. The original creditor offered me lower payment options that would allow me to pay off this debt via installments.
Product: Student loan

Forbearance needs to count towards XXXX- so many had to go into forbearance because they were unable to make the payments due to working in lower paying jobs, therefore missing out on months of possible payment counts for XXXX. MAKE FORBEARANCE COUNT
Product: Credit card or prepaid card

Received a prescreened offer for a credit card from Citi Simplicity Mastercard, I pay all of my cards sometimes most of the time over my required payment due. I was sent an application in which I called several numbers XXXX, then I was given another number, then XXXX, basically took about 7 minutes before I finally got through to someone. One time was asked to call back because their system was down. To be told that I would receive an answer in the mail. The date I called on was Friday XX/XX/19 at XXXX. I finished talking with someone by XXXX or around that time. The invitation number was XXXX.
Product: Debt collection

This is for debt validation from a debt collection company I.C. System us attempting to collect an alleged debt that is no longer collectible and has been illegally passed along form XXXX XXXX which could not validate the debt according to law. The company is attempting to report the alleged debt to the credit agencies and is in violation of both the Fair Debt Collection Practice Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). I have also attached a letter for validation of this alleged debt with further explanation of the illegal attempt to collect this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sincerely implore you to take immediate and decisive action to remove the unauthorized inquiry from my credit report without any further delay. I kindly request that you thoroughly investigate this matter, acknowledge the error
Product: Credit card or prepaid card

I got a insurance claim from XXXX  I put it on a Venmo they say its was put on there but a fruadulent account XXXX they let someone spend over XXXX then said XXXX be I can do anything
Product: Credit card or prepaid card

I made several calls to Elan Financial services prior to a major purchase, after making an {$18000.00} payment. I called in advance and several times throughout the experience to ask for guidance and get help. Along the way I was apologized to and encouraged to make the large transaction purchase. I was very thorough in my explanation of the purchase and received assurance each time I called that there was an error on their side and I should returned to the store for the purchase. Ultimately my purchase was declined, despite being well within my credit limit. I was also assured by multiple levels of fraud and customer service personnel that my account was fine. After 3 days of calls and assurances my account was closed for high risk transactions. I received a letter accusing me of lying on my application or not keeping my commitments. I have never missed a payment and recently paid off the account in full. This is unacceptable. I want a high level director or above to listen to each call ( they are all recorded ) and explain how I was at fault in any way. I will be filing this complaint with all applicable regulatory and consumer protection agencies.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1000.00} - late/OPEN - XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1600.00} - late/OPEN - XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX late/CLOSED - XXXX
Product: Credit card or prepaid card

Dear CFPB This letter serves the purpose to inquire regarding the sudden closing of my credit card account numbered XXXX XXXX XXXX XXXX. The account was closed arbitrarily by Citibank without informing me prior to such decision. 

As a customer, I did not received any notification of the banks intention or any information as far as the intent or the motives behind the closing of this account. When I called the number that appears on the letter I received after the account had already been closed, they told me that they were not authorized to disclose any information to me, unless I request it in writing, thus this letter. 

As you may understand, this decision has caused a lot of inconveniences for me. I do not appreciate not being given proper advanced notice and being treated unfairly by this institution. 

As an American citizen I demand Citibank to respond immediately to my request and give me the reasons behind this arbitrary decision. 

I would appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 

I have not supplied proof under the doctoring of the estoppel by silence.XXXX  XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt nor therefore any such debt in fact exists
Product: Mortgage

I applied for a Loan Modification with Well 's Fargo Home Mortgage and I was denied. But the reason that I was given is that I did not have a hardship. My husband and I have been separated since XXXX 2014 and with the loss of his income I am finding it hard to meet my monthly mortgage which is {$2400.00}. My monthly gross income is {$3400.00}. The reason that I was given for being denied is that I my gross monthly income should allow for me to meet my mortgage payment, but after taxes and paying my utility bills and second mortgage, I can hardly pay this payment. All I am asking Well 's Fargo is to lower my mortgage payment. I do n't understand what their criteria is to qualifiy for a Loan Modification. From doing my research, I have found out that these Mortgage Companies are not really helping many home owners at all.
Product: Debt collection

I recieved a call from a company called XXXX XXXXXXXX XXXX XXXXXXXX stating i owed a balance on an HSBC credit card that i had paid in full in XXXX. I have the paid in full letter from the attorney i paid this debt debt with so i emailed it to the address they provided. XXXX. I was informed that they did not accept my letter as i either paid the wrong company or my paid in full information was fraudulant. They also said they a processing a fraud case against me and this was a felony. I thought it was odd no matter what time of the day or night i called i always got XXXX ( no last name or id provided ). He said they filing in the state of Oregon where i have not lived for several years, they did not ask my current address. XXXX XXXX. I just XXXX that number and it is one of the most frequently googled numbers in XXXX CA. XXXX XXXX is the attorney that is suing me. They refused to give me an office name, Phone number or address. They are also calling others about me, my step father my mother has passed in XXXX and he has re-married. When i said i was contacting the CFPB XXXX got angry and said all documents were void and they would see me in court.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022
Product: Credit card or prepaid card

Well Fargo Active Cash credit card, the way it calculate and charges interest, is that if you don't pay the last statement balance in full, you will be charged interest on the whole balance not on the unpaid balance. So for example, if my statement balance is XXXX $ and I make a payment of XXXX $ by my due date, I still will be charged interest on the whole XXXX XXXX not the XXXX $ unpaid balance. This is unfair, and mostly disadvantaging underprivileged customers living paycheck to paycheck. 
More importantly, the way interest is calculated is not described in the terms and conditions agreement provided once signing up for the credit card. Therefore, this is an unfair charge which is also not disclosed properly.
Product: Vehicle loan or lease

Santander came and Repossessed my car again XXXX 17 @  XXXX XXXX. I called to see if U can get ny car back and how much to get it back. Their response was nasty and rude. She stated that I had to pay XXXX to get it back. Then she said I couldnt get it back. This is bad I tried to save my car but no one wants to help me. Someone needs to help me get my car back!!! I gave them my hard earnrd money for 5yrs and end up with no car. How does this happened in America!!!
Product: Debt collection

The debt collector, TRANSWORLD SYSTEMS , INC. notified me at the end of XX/XX/XXXX that they were going to intiate a wage garnishment on me for failure to pay the debt. They informed me in a letter that I had the right to request a hearing that would be considered before a hearing official. The collector stated that if I requested the hearing within 15 days of receiving the notice that no further action would occur until a decision is made by the hearing official. I wrote back to the collector and filed out the form they sent me to request the hearing. My request was received by them within the 15 day time limit. In XXXX I obtained a lawyer to represent me in the matter. When my lawyer contact the collector by phone they told him that the hearing had already occurred and that they called me. However, I never received any notice of such hearing nor was I ever informed of the date of time of the hearing. I have since written a letter asking the collector why I was never informed of when my hearing would be and my lawyer at the time was never notified. Now I have received statements showing that more interest charges are being added to the debt. I have not been afforded my legal rights as they represented to me in writing and now the collector is making it appear that I did not show for my hearing when I was never notified of the hearing. I would like this investigated because as far as I am concerned the collector did misrepresented themselves and the who fact of my right to request a hearing. I feel that this collector is in violation of my consumer protection rights.
Product: Vehicle loan or lease

I feel based on my evidence I have overpaid the loan the company has recorded loan terms of 73 my contract loan terms are 72 months and I have been making payments of {$400.00} to {$450.00} for the last 12 months
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : CREDIT ACCEPTANCE CORPORAT Account # : XXXX Account name : XXXXXXXX XXXX XXXX Account # : XXXX Account name : XXXXXXXX XXXX Account # : XXXX Account name : XXXX XXXX Account # : XXXX  Account name : XXXX XXXX  Account # : XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for financing via XXXX XXXX on XX/XX/18. I received an immediate denial letter stating my credit score was XXXX reported by Experian. I have an XXXX account which shows my Experian score being XXXX as of XX/XX/18. I've tried reaching out to Experian with no results.
Product: Checking or savings account

Hello my name is XXXX XXXX, chime closed my account out but havent sent my funds its been 4 months and Ive been emailing them and they keep saying their going to send it out but its been 4 months and they keep saying they are waiting on the check department
Product: Debt collection

I recently requested debt validation for a debt showing on my credit report reported by Receivables Management Partners LLC. I mailed a letter ( certified ) XX/XX/XXXX requesting debt validation. They did not respond so I filed a CFBP complaint on XX/XX/XXXX complaint ID XXXX. The company responded to the complaint on XX/XX/XXXX and stated that the trade line would be removed from my credit report. XX/XX/XXXX they mailed a deletion letter for this particular debt the debt was then removed from my credit report. Fast forward, XX/XX/XXXX they mailed a letter to my home with a copy of medical records in attempt to collect on this same debt. This is a Hipaa violation. I did not sign a Hipaa form or give authorization to Receivables Management Partners LLC to access my medical records. Therefore the information reported to the credit bureaus in correlation with this debt is faulty and I would like for XXXX XXXX to cease all collection efforts immediately! I have attached supporting documents below.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was fraudulently opened and maintained. I've contacted the company and communicated that. But they keep calling and trying to get me to pay on an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any results..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute these inaccurate addresses with EXPERIAN and they say they wont remove it, some of the address aren't even houses. They continue to report inaccurate information on my account and wasting my time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent communication to XXXX XXXX reporting..no response. disputed classification of debt accounts. XXXX is a credit card ... XXXX mortgage is our XXXX Mortgage ... XXXX mortgage is XXXX back is real estate mortgage ... Car note is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX Bank loan is a real estate loan, it is wrongfully reflected on the credit analysis. Credit analysis groups it with credit card account XXXX revolving ) ... that is the error. 

XXXX XXXX XXXX XXXX for the car note is misspelled account. 

Credit inquires is wrong ... XXXX XXXX we bought a car and financed it. 
There were several inquires on XXXX XXXX within the same day, same hour, requested by XXXX XXXX. This should be grouped together as a single inquiry as we were shopping interest rates ... XXXX XXXX advises it is for XXXX purpose car purchase. Please amend to show XXXX inquiry. 

The XXXX collections ... this payment was delayed due to medical code error on the bill. Medical office resubmitted to insurance company. It was for a XXXX XXXX operation total cost of XXXX was over XXXX XXXX. This was a billing error by medical provider. Paid when agreed upon.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Consumer Loan

I was paying on my lease almost XXXX/month and I lost my job due to health issues and I am 3 months behind, I paid month to get my account current but the BMW Financial Service want the car back until I get the amount that I owe, I tried to explain my situation but they wont help me. They turn in my account to the debt collector and asking the car back even though I paid XXXX balance to be updated. They keep calling and harassing me, family and former employee. 

I have no choice but to keep the car to find job and I am only asking if they can extend my contract for 2 months so that I am current in my account
Product: Debt collection

I am being garnished for a credit card from 2008, the amount said to be owed is XXXX with fees and such the grand total to be XXXX. However when I called Atlantic Credit and Finance XXXX informed me that I had XXXX accounts that were all paid in full. I have been garnished on this debt for a year. I can not get in contact with anyone that knows what is going on with my account. I do n't understand why I am being garnished for debt that was paid in full.