23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

The companie name is Chime. They close my account. The company said I broke policies. Chime said they cant tell me what I did for security reasons. I told them I found out someone has been using my information. I been a victim of identity theft. Someone had file my taxes.
Product: Checking or savings account

I submitted a dispute for 3 transactions from XXXX XXXX charged to my account on XX/XX/24. do not have an account with XXXX XXXX. Only 1 was credited to my account and I keep getting updates that they are still investigating the other 2. It has been XXXX months and no resolution to the claims. Also, I have not even received a new card and there are several transactions a day that are attempted. I have spoken with several associates and no one can tell me when they plan to resolve the claim or why they keep letting the card get attempted yet are very slow to adhere to the claim process.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXXXXXX 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 XXXXXX/XX/year>
Product: Student loan

I have 4 private loans with Navient that all have HIGH interest rates. 

1. $ XXXX@ 15.375 % 2. $ XXXX@ 15.375 % 3. $ XXXX@ 9.500 % 4. $ XXXX@ 15.375 % The last time I checked my credit score, it's in the mid to high 700s. 
There's no reason why they can not work with me to lower my interest rates. 
Plus anytime I get into a program with them, my payment goes to interest rates primarily. 
It makes it almost impossible to bring down my principal when everything goes to Navient. 

Please help. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

So I recently tried to get them to remove all the accounts I didn't authorized them to report. They told me they had to " verify '' my accounts with " creditors. '' According to 15 usc 1602g " the term creditor refers only to a person who regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required. '' Pursuant to 15 usc 1602e " the term person means a natural person. '' A corporation is not natural person. A corporation does not have the power to verify anything it is just a piece of paper. according to 15 usc 1681a ( 3 ) you assumed the role it was not given to you by the govt. I want the senior executive to contact me at XXXX with a copy of a notarized affidavit showing me proof that I granted Transunion the permission to report anything. According to 1681b ( 2 ) you need my permission to furnish anything on my report.
Product: Credit card or prepaid card

On XX/XX/2019, I attempted to pay off my entire balance but the site wouldn't accept my payment. The next day, the payment did go through but I was assessed a late fee and interest. I sent a secure message to Barclays and was told they would reverse the late fee and interest so my balance would be {$0.00}. However, today I was assessed another late fee even though my balance should have been {$0.00} ; it appears they never reversed the original fee and interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting XXXX  XXXX about a card that was opened that has been reporting on my credit reports. I have disputed this unverifiable debt. They have NOTHING with MY signature on it to verify this account is mine. They have closed the account on one bureau, deleted from another bureau, and showing on XXXX. This is illegal ; and needs to be DELETED from my credit bureaus. I havent had a card with XXXX  XXXX and i have disputed this. they keep updating the dispute
Product: Credit reporting or other personal consumer reports

These disputed accounts were open fraudulently : XXXX XXXX XXXX XXXX {$4000.00}, XXXX XXXX XXXX {$120.00}, XXXX XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX  {$510.00} XXXX XXXX XXXX XXXX  XXXX not sure amount but this account is reporting twice. I have filed an ID Theft report with the FTC, disputed these accounts with the credit bureaus and added security freezes with : XXXX, Experian, XXXX XXXX, XXXX, XXXX, XXXX XXXX and XXXX, to prevent further fraud. I received no response from my disputes sent to XXXX, XXXX XXXX and Experian XX/XX/2023. I sent a follow up dispute to the credit bureaus again XX/XX/2023, this time I received only an online " dispute results '' from Experian and said these accounts were " Verified as accurate, '' with no consumer contract or evidence that under the FCRA that this account was open by me.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and the fraudulent information being reported on my credit file continues to harm my credit reputation. I am submitting this appeal to NISSAN-INFINITI LT in order to request that the following inaccurate and fraudulent information be blocked from my credit report. The associated FTC report number for this case is XXXX, which includes details of the fraudulent accounts. Upon review of my credit record, I have identified multiple suspicious and likely fraudulent entries, including accounts that were opened without my consent or approval. These entries appear to be false and without any legitimate authorization from me. As a consumer, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) to demand that these fraudulent entries be promptly removed. I request that you take immediate action to ensure that the information being reported on my credit file complies with the requirements set forth under FACTA, specifically Title 1, Section 151, which mandates that all information provided to credit reporting agencies must be accurate and verifiable. I am filing this complaint to ensure that these inaccuracies are addressed and removed from my credit report in accordance with both federal and state consumer protection laws.
Product: Mortgage

We refinanced and obtained a mortgage through First Mortgage Corportion with a first payment due XXXX/XXXX/15. On XXXX/XXXX/15 we recieved a letter from First Mortgage Corportion that our loan had been transfered to XXXX XXXX and that all payments starting XXXX/XXXX/15 should be made to the new servicer and the new loan number and payment address was included. All payments since then have been made to freedom mortgage and our loan as well as all escrow funds were transfered over sucessfully. We are now receiving collection notices from First Mortgage Corportion threatening forclosure. I did speak with a collection rep late XXXX when they called me at my place of employment and advised them of the letter I recieved and that on time payments have been made to freedom mortgage. The rep apologized for the mix up and said they would contact The new mortgage servicer to verify that payments had been made. I assumed that they had done that and closed out their records. Until XXXX/XXXX/15 when I recieved a letter dated XXXX/XXXX/15 threatening forclosure if payments for XXXX and XXXX are not made in addition to hefty fees that have been added. The payments for XXXX and XXXX have been made on time to XXXX XXXX. Just like First Mortgage Corportion requested in their letter dated XXXX/XXXX/15. What they are doing can not be legal
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX off to say the least, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Product: Debt collection

I am writing to request your help. LVNV FUNDING LLC is reporting false and erroneous information to the credit bureaus. This is affecting me in a huge way. I sent them my dispute notice on XX/XX/XXXX and they did not even mark the account as disputed or run the popper investigation. The account I am writing about is the following : XXXX Date opened XX/XX/XXXX Original Creditor XXXX XXXX/Status closed. 

This company has been committing multiple violations to the Fair credit reporting act. I am demanding a deletion letter from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violatons FTC Action : XXXX  XXXX XXXX to Pay {$85000.00} Civil Penalty Allegedly Violated Order that Barred Deceptive Advertising of Vehicle Costs The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. 

Section 604 ( a ) ( 4-5 ) : Child support purposes The settlement requires XXXX and XXXX to pay {$130.00} million to the FTC and {$34.00} million to New  York  for allegedly violating the ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion about a collection on my Trans union credit report over a collection of a {$100.00} debt that was sent to a collection agency. I am attaching a letter sent to the creditor in XX/XX/2020 & also sent to Transunion. This debt does not appear on XXXX or XXXX. I have tried to reach XXXX by phone and left messages for a return call. None have been received This is the letter sent to Transinion and the debtor XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern This letter is to dispute the 101.58 that is being charged. I previously mailed this letter several months ago : The dispute is over replacement of the bedroom rug, I am disputing the charge for the following reasons : I Was never informed that there was a problem by Management There was no stains or marks on the carpet when I left. This can be verified by a third party who inspected the apartment when I moved out.

There was no inspection done with me when I moved out There was no attempt by management to clean the rug. The rug was ripped out the day after I moved out. This can be verified by another pennants Other units that were vacated that had animals had their rugs cleaned and not replaced Management did not apply same rules to me as it did to other tenants that had dogs ( mine was a service dog ). I never had any communication from management about a problem with the rug - ever. No phone call, no explanation whatsoever. 

If there was a problem with the rug I would expect some proof from management. I received nothing. No photographs, no letter from them, no telephone calls I will not pay the amount due because of the above mentioned issues XXXX
Product: Student loan

I am a XXXX and worked over XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX, Texas. They were unable to verify that I worked there and said that the records had been " lost '' for some unknown reason. I worked there from XX/XX/XXXX- XX/XX/XXXX or so. I have been dealing with this issue for over 2 years now. 

I just would like credit towards my student loans so that possibly they could be forgiven already. 

My student loan is through Mohela. I have very well made payments for almost 15 years. It's very frustrating. My debt should be discharged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the ( 3 ) credit bureaus to do a thorough investigation and continued to find improper discrepancies, as my rights have been violated. 

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX  Account number XXXX XXXX U.S.C 1681 section 602A states I have a right to privacy 15 U.S.C 1681 section 602A It also states a consumer reporting agency can not furnish account without my written instructions. 

The record continuously shows verified with no update in status date of verification and or providing improper discrepancies.
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 am dismayed by the capability of the Credit Reporting Agencies to retain disregarding a consumer 's appeal for the alteration of the disputed accounts on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the accounts being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed accounts saying that the information they gave is precise, in which I seriously disagree. I am submitting this complaint to you today to request that Transunion run me copies of documents bearing my signature to prove the status of the disputed accounts. If they unsuccessful to comply with the condition and continue the reporting of the disputed accounts, please realize I will pursue legal action. I need the accounts corrected XXXX : XXXX, XXXX. XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Late Dates XXXX, XXXX - XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Dates XXXX XXXX XXXX - XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$0.00} Late/Closed Late Dates XXXX
Product: Credit card or prepaid card

on XX/XX/2021, obtained synchrony XXXX credit card. attempted purchase, kept telling me to verify purchase online as stated when i applied, apply now and get 20 % off purchase online.. called synchrony to verify. They said it will work only for instore purchases and not for online purchase of the product i want. I attempted to buy a different product and again not working, now synchrony states that is because the card can only be used in store for purchases and not online. They ran a promo for online purchase and it does not work for online purchases as advertised.
Product: Debt collection

On XX/XX/2020, I received a copy of my credit report and found a collection account listed on my credit report which I believe was an error. The account was being reported by Contract Callers Inc ( CCI ) Account # XXXX in the amount of {$490.00}. I send a certified letter on XX/XX/2020 to CCI requesting validation of the debt along with a copy of my driver license, social security card and utility statement for verification as to my identity. On XX/XX/2020, CCI responding to my validation and provided a billing statement for the amount of {$490.00} addressed to XXXX XXXX, XXXX XX/XX/XXXX, service address : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX. Since I've never resided at the address listed on the statement provided by CCI and the name on the statement is not mine. My name is XXXX XXXX XXXX. I send another certified letter to CCI dated XX/XX/2020, again requesting validation of debt and to provide documentation, i.e. contract, application, records of payment, delivery of addresses associated with the account, and signature on application of the account. On XX/XX/2020, CCI again just send another response same as before with the same copy of the previous statement. I send another certified letter on XX/XX/2020 to CCI advising them that I believed that they have violated my consumer rights in the following ways : -Failed to validate a debt at my request - FDCPA violation -Continued to report a disputed debt to the CRA - FCRA violation -Continued to attempt to collect a disputed debt - FDCPA violation -Ignored my cease and desist - FDCPA violation As of today, XX/XX/2020, CCI has not replied to my requested dated XX/XX/2020.

On XX/XX/2020 I send another certified letter to CCI, again requested validation of debt and advising them that they have ignored my prior requests for validation of debt. As of today XX/XX/2020, CCI has fail to reply. 
On XX/XX/2020, I send my final letter to CCI advising them that despite my previous written requests, the unverified/unvalidated debt still remains on my credit report in violation of Federal Law.
Product: Credit reporting or other personal consumer reports

I requested for them to indicate actually amounts I paid to XXXX  XXXX on the credit reports as they indicate for other companies in the report. 
I requested updated information but they Sent me a report before my payment due date in XX/XX/year> dated XX/XX/year> how did they come up with {$2.00} debt and I paid {$120.00} as stated on XXXX  XXXX statement sent to me for XXXX payment. 
They had refused to dispute with XXXX XXXX XXXX why the minimum amount they reported to credit bureas are not same minimum I get on my credit reports. 
Also the refused to dispute increase of interest on XXXX  XXXX 5 times in a year without XXXX  XXXX writing me any 45days advance notice according to Consumer financial protection burea. 
Also I had written their office of XXXX thrice attached my utility bill, ssn card, driver 's license all bold and colored print copy but they kept asking for it before the will respond to me over the phone with my selfie and when I answer their so called computer generated questions that never changed over month their agent will say it's incorrect meanwhile I answered from the credit reports they mailed to me that means XXXX Credit Bureau is reporting false information and I told them what they report to lenders are incorrect. 
They blocked me from uploading supporting evidences document on my disputes that will enable in their investigation and they put negative remark on my credit file while the have not completed investigation and the refused to remove it even with supporting documents they got in their office address
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a charge off on my credit report for XXXX XXXX XXXX with a balance of {$8600.00}. I don't believe this is my account and have no knowledge of it.
Product: Checking or savings account

i am unemployed for 3 months. facing loss of apartment. forced to sell my car. got the check yesterday XX/XX/XXXX. deposited check for {$7000.00}. Chase bank told me i had to wait 1 day to access the funds. then proceeded to tell me they were not going to cash the check until XX/XX/XXXX because of suspicious activity. I got in contact with Chase Deposit department ( today ) and they told me that there was nothing they could do. that i had to wait until the XXXX or XXXX to get my check back. 

they are essentially holding my account/ my money ( {$7000.00} ) hostage. they will not let me go to the bank of the check ( XXXX ), they will not let me use my money. I have urgent bills that need to be paid immediately otherwise i face eviction. i havent eaten because i have no money. 
Chase bank continuously discriminates against people with low amounts of money in their accounts. I have friends with XXXXhase that are better off and they dont experience these issues.

I can not wait 7 to 11 days to get my check back. Please help me i told them how urgent and dire my situation was and they dont care. i asked for a supervisor or name information from the phone call and she refused to give out full name. I cant even report to Chase because they dont care. 

I have XXXX to my name, I need the {$7000.00} so that I can continue to live
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) My Social Security Number, Date of Birth, and full address were stolen as part of the Equifax hack of 2017. Upon finding this out, I instituted a 90 day credit monitoring service on my account, and did a full investigation into my current credit status, which cost a significant part of a workday.
2 ) I tried pulling a full credit report from equifax using XXXX to ensure that none of my information is incorrect, but their website was not functional ( so they owe me a free credit report as well ) 3 ) Numerous executives at the firm sold shares/exercised options in the firm stock in the days leading up to the hack becoming publicly available information. This warrants further investigation. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 confidntiality under 15 USC 1681 Account Name XXXX XXXX XXXXXXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX  Account Name XXXX XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A, states i have 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 containing any of the following items of information, any other adverse item of information, other than records of conviction 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 report
ing agency if the person knows or have reasonable cause to believe that the information is inaccurate
Product: Checking or savings account

My account balance was at XXXX and I was a charged a fee which thus charged me another fee. If I hadn't been charged fees by the bank my account would not be negative. Please help.
Product: Debt collection

I just received a call from XXXX XXXX XXXX my case number is XXXX. They advised me that I have a collection for a debt through American Express that was issued in XXXX. I told them that I don't even recognize the debt and it occurred over 10 years ago. They stated that I have a court order document that they need to give to me. I told them that I don't accept it because that debt doesn't show up on my credit report. 
They told me that it was out of their hands now that XXXX, and she did not complete the name of the people who are trying to reach me. Where in persuit to delivering the documents to me. Even though I did not acknowledge my name or the debt. It's supposed to be on a recorded line. 

They called today XX/XX/XXXX at XXXXXXXX XXXX. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my report and saw that Victoria secret card with comenity is reporting late. I never used the card as I was in jail since XX/XX/2020. I was just released last week. I am Reporting fraud. My wallet and belongings were stolen from my home while I was incarcerated. Account XXXX