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

On XX/XX/2020 I tried to place a thaw on my credit freeze. I guess I entered a wrong answer. I've tried calling in multiple times and reaching out to them on XXXX chat. What they're asking me to send in is absolutely ridiculous. The whole purpose of a credit freeze is to protect your identity. To unfreeze your report they are asking for all of your personal information ; everything someone would need to steal your identity. What sense does that make??? 

Below is what they want : We were unable to honor your request to temporarily remove your security freeze based on the information you entered. 
Sending us your information To temporarily remove your security freeze, please mail us this letter ( or the information in it ), along with one copy of a government issued identification card, such as a drivers license, state ID card, etc., one copy of a utility bill, bank or insurance statement, etc., and a copy of your Social Security card or another document that displays your Social Security number. Make sure that each copy is legible, displays your name and current mailing address, and the date of issue ( statement dates must be recent ). To protect your personal identification information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. We will validate your information and remove your security freeze for the timeframe you request. Experian Security Freeze XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize Capital One to go and do inquiries on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several attempts to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX  XXXX Balance : {$0.00}, XXXX XX/XX/, XXXX XX/XX/, XXXX XXXX XXXX, XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On or around XX/XX/2024 I notify Equifax that some inaccurate accounts that does not belong on my consumer report a notice of under 15 USC 1681c 2 ( a ) I have a rights to dispute these accounts, and launch an re-investigation to remove this account notated that equifax had four business days upon receipt to delete and block these accounts. I have provided all requested documents as proof. These companies are violating my rights because did not provide them written consent report this information. And then a second transaction which I was not included on has occurred I demand to remove these accounts from my consumer file immediately See attachments.
Product: Checking or savings account

To whom it may concern, Hello, I would like to voice my complaints with Bank of America for flagging and closing my business account without any warning or attempt to communicate with me. 
For context, my family owns a small business dedicated to short-term rentals on the XXXX and XXXX platforms . At the beginning of XXXX, a customer contacted us through the XXXX platform, wanting to book 15 nights in one of the condos we manage. He explained that his company would take care of the payment and that they were sending a certified check by mail. 

This customer then gave us a tracking number, and on XX/XX/XXXX, we received the USPS package with the check. The check was then deposited via a Bank of America ATM since it was after the bank 's open hours. 

The next day, on XX/XX/XXXX, we attempted to access our online banking system, but our access was denied. Since this was unusual, we called Bank of America, and a representative informed us that the account had been closed due to an incident of fraud. Furthermore, the Bank of America representative stated that our company would not be able to open any other bank account with Bank of America due to the incident of fraud. I attempted to explain the situation, as this is a very clear case of mail fraud perpetrated against me and my business, but the representative could only respond, saying the account was closed due to the deposit of the fraudulent check and that there was nothing I could do. I asked if there could be a case open where I could explain and submit evidence of what happened, and they told me no. They transferred me from department to department to no avail. All they could say is that there was nothing that could be done. 

We were the victim of a mail fraud scam, and Bank of America marked our business account with an incident of fraud and outright closed the account without providing any form of help or warning us of the incident.
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX i attempted to transfer money from my Chase checking account to my XXXX  XXXX XXXX checking account. I sent the amount if {$1400.00} using my name and my email address. After two days i didn't see the funds hit my account i reached out to Chase asking about my transfer. I was told that the funds went to an account with the last 4 digits i didn't recognize. Chase transferred me to claims and they said they would try to get my funds back but couldn't promise me because it was my fault that i should have paid attention to who i was sending it to. On Thursday XX/XX/XXXX i reached out to Chase and they told me they reached out to the other party and they do not have enough funds so there is nothing they can do. I reached out again on Friday XX/XX/XXXX only to this time find out who the person was. I filed a claim with my local police but Chase is now not giving me any information and saying that its not there fault that i should have checked who i was sending the money to. I expressed to them again that its hard to check when the recipient was myself with my personal email.
Product: Student loan

Mohela Student Loan Servicing - Can not contact anyone about account errors and confusing platform. 

My repay plan was approved and the account says for me to pay {$86.00}. It said in XXXX that I do not have a payment due. But I kept noticing emails from the Dept. of Education that my loan repayments should be starting in XXXX, and now recent my loan is pass due. I paid XXXX and XXXX on the following dates : Payment made on : XX/XX/2023 Confirmation # : XXXX Payment Amount : XXXX Payment Effective Date : XX/XX/2023 I paid XXXX on the same day -- In a separate payment : See different confirmation numbers. 
Payment made on : XX/XX/2023 -- I added a note in the comments that the payment is for XXXX. 

Confirmation # : XXXX Payment Amount : XXXX Payment Effective Date : XX/XX/2023 It shows on the payment history as if I made one payment of {$180.00} -- all went to interest. 

Customer Service : I can not get a hold of customer service and I have waited 5 hours one day without anyone picking up. The website says that there is a high call volume every day. I have been trying for a month to talk to someone. 

The Platform : VERY confusing and lists over 30 loans that have different due amounts of {$1.00} here and here. They are transferring to a new platform soon. 

XXXX XXXX : I sent my documents for my XXXX XXXX requirements. I have been XXXX XXXX XXXX XXXX  that qualify for the grant for XXXX XXXX now. They send it back to my XXXX incomplete. My XXXX ( XXXX XXXX Dept of Edu ) and I explicitly check all boxes. I need to know the status -- - no response. 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, Account # XXXX has incorrect information, in this report of XXXX XXXX states my last payment was made XX/XX/2018, However the payment history chart shows my last payment was XX/XX/2018. Under ( U.S.C Sec 1681i ) it states that if you cant provide proof the account must be deleted.
Product: Credit reporting

EXPERIAN IS REPORTING XXXX BKS ON MY REPORT 1 ) NOT MINE # XXXX 2 ) DISMISSED BK # XXXX Although it is your policy to keep reporting bankruptcies which are filed or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. 

XXXX requires that each time a consumer reporting agency receives a dispute, it shall reinvestigate free of charge, record the current status of the disputed information or delete the item from the file within 30 days, beginning on the date the dispute was received unless the account is determined to be frivolous or irrelevant. 

While the correspondence that was sent by Experian indicates the account was previously investigated, it does NOT however state whether the dispute was determined to be frivolous or irrelevant. 

It has been over 30 days since Experian received my dispute and I have not received any other notices that my dispute was determined as being frivolous or irrelevant and yet the item still remains on my file with a last investigation. Based on the previous information, I am hereby demanding deletion of the adove accounts from my Experian file pursuant to XXXX. I will NOT accept another reinvestigation of the account, ONLY deletion.
Product: Debt collection

Moreover, the creditor remarks indicate that the account has been charged off as bad debt and reported as a loss, further emphasizing the inaccurate portrayal of this account 's status.Upon reviewing my credit report, I noted that the account in question has been reported as derogatory, with a high balance of {$12000.00} and a balance owed of {$9600.00}. However, I would like to bring to your attention that this account has been inaccurately reported. 
Firstly, the last activity on this account was reported as XX/XX/XXXX, which contradicts the accurate date of last activity, which is XX/XX/XXXX. Additionally, the account status is incorrectly listed as open, when in fact, it was closed on XX/XX/XXXX. 
XXXX doesn't even report this account on my credit report just XXXX and XXXX this is an error.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporter act XXXX XXXX XXXX XXXX XXXX amount XXXX XXXX # XXXX Date : XXXX. has violated my rights 15 USC 1681 section 602 8 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 your account without my written instructions.
Product: Debt collection

I received a bill today address to Me, except it had my boyfriends name added to the end of mine. The bill is my boyfriends bill. In the body of the letter is states the patient is my boyfriend, account number, service date and amount owed.     I called to ask why they are sending me a bill for his account, and advise them that they ca n't just add a name to someone else 's bill and say it now is this persons bill and this person is responsible because they say so. They kept asking me what his dob was. I would n't provide it.     First, it 's against the law for them to be discussing 'his ' account with me, it violates his privacy act, and HIPPA  XXXX      Second, if they sent me the bill and state that it 's mine, they can have my information and we will discuss it. I am not providing someone else information to them. They would n't discuss anything further and second time I called t he manager realeased the call for not providing 'his ' SSN.
Product: Credit card or prepaid card

JP Morgan Chase bank credit card. 

I was charged more interest at a higher interest rate during Covid19. 

Most major credit cards including XXXX XXXX were waiving all interest charges, while Chase increased my rates, for this to happen during Covid19 is unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was ran without my knowledge or consent.
Product: Credit reporting or other personal consumer reports

Date Issued : XXXX XX/XX/XXXX Page 5 of 6 Your Investigation Results INVESTIGATION RESULTS- DISPUTED INFORMATION UPDATED AND OTHER INFORMATION UPDATED : A change was made to the item ( s ) based on your dispute and other information has also changed. 
XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX, ( XXXX ) XXXX ) We investigated the information you disputed and updated : Date Updated ; Rating ; Historical Trended Data. Here is how this item appears on your credit report following our investigation. Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Revolving Account Loan Type : CREDIT CARD Balance : {$1600.00} Date Updated : XX/XX/XXXX Payment Received : XX/XX/XXXX ( {$0.00} ) Last Payment Made : XX/XX/XXXX High Balance : {$1600.00} Original Charge-off : {$1600.00} Credit Limit : {$1100.00} Past Due : XXXX $ XXXX Pay Status : >Charged Off< Terms : Paid Monthly Date Closed : XX/XX/XXXX XXXX Delinquency of 120 days in XXXX Remarks : ACCT INFO DISPUTED BY CONSUMR ; CLOSED BY XXXX XXXX ; >UNPAID BALANCE CHARGED OFF< Estimated month and year that this item will be removed : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Rating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Rating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Rating OK OK OK OK OK OK OK OK OK OK OK OK XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Rating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Rating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Rating XXXX XXXX XXXXXXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX, ( XXXX ) XXXX ) We investigated the information you disputed and updated : Date Updated ; Rating ; Historical Trended Data. Here is how this item appears on your credit report following our investigation. Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Revolving Account Loan Type : CREDIT CARD Balance : {$1900.00} Date Updated : XX/XX/XXXX Payment Received : XX/XX/XXXX ( {$0.00} ) Last Payment Made : XX/XX/XXXX High Balance : {$1900.00} Original Charge-off : {$1900.00} Credit Limit : {$1000.00} Past Due : XXXX $ XXXX Pay Status : >Charged Off< Terms : Paid Monthly Date Closed : XX/XX/XXXX XXXXMaximum Delinquency of XXXX  days in XXXX Remarks : ACCT INFO DISPUTED BY CONSUMR ; CLOSED BY CREDIT GRANTOR ; >UNPAID BALANCE CHARGED OFF<
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a member of  XXXX   XXXX   XXXX , which was acquired by  XXXX   XXXX   XXXX   XXXX . The process of merging, transferring, and issuing new account numbers were phased-in over three months  :  XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX .      I have had a  XXXX   Visa card ( " lo an account '' ) since  XX/XX/XXXX  that I paid via my accounts page. My accounts page included my savings account and I would pay m y Visa by simply transferring money from the savings account to the Visa acc ount. During the phase-in transition however, the banking accounts ported over to the  XXXX  website in   XX/XX/XXXX , but not the Loan accounts ; those would not phase-in until  XX/XX/XXXX .      In  XX/XX/XXXX I sent a secure message to  XXXX  customer service about making my  Visa paymen t, the response was to mail it, and I was provided an address. I s ent a Bill Pay paym ent from my main banking institution to the address provided. I verified that it had been delivered. A few weeks later I receive a letter saying my payment was not received, so I sent another Bill Pay payment overnight via  XXXX  and it came with a tracking number. I verified with the  XXXX  ' website that it too had been delivered. Both payments were sent and received before the due dates.     On   XX/XX/XXXX ,  I receive a credit alert from  XXXX  that  XXXX  reported my  Visa ac count as 30 days late. The effect of this reporting tanked my  credit score.      When I called  XXXX  's customer service I was told that they were behind on processing former  XXXX   XXXX   XXXX  loan payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be fixed from erroneous reporting in my file. 

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 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
Product: Credit reporting or other personal consumer reports

My information with XXXX has been breached and they refuse to delete and block the impacted information. I've attached proof that my information was impacted. The impact of the XXXX data breach has effected my XXXX, XXXX, and Transunion credit reports. I also have included the impacted information. Please delete and block all of this information from my all of credit reports as I was a victim of this Data Breach. 

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

n accordance with the Fair Credit Act XXXX XXXX XXXX XXXX Last reported XX/XX/2023 {$3000.00} Reported balance Credit limit {$2500.00} XXXX  XXXX Last reported XX/XX/2023 $ XXXXReported balanceCredit limit {$3000.00} XXXX XXXX XXXX Last reported XX/XX/2023 {$570.00} Open balance XXXXXXXX XXXX XXXX XXXX XXXX Last reported XX/XX/2023 {$710.00} Open balance {$750.00} has violated 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 a consumer reporting agency can not furnish a account without my written instructions
Product: Vehicle loan or lease

I applied for an auto loan refinance through The Savings Group , Inc. ( which operates under various names, including XXXX and XXXX ). During the process, I was quoted a monthly payment of {$330.00} and was not informed of several fees, including a {$540.00} processing fee, a {$130.00} prepaid finance fee, and a {$15.00} tax-related fee. These charges only appeared in the final documents, without prior disclosure as the initial quote was only for {$560.00} but now a total of {$670.00}. 

Additionally, I was told I would be responsible for printing an 18-page document and paying for notarization, even though these requirements were never explained upfront. While they covered FedEx shipping, they failed to inform me of these added burdens until the final stages. 

When I requested that all communication regarding the loan terms be handled via emailfor transparency and personal documentationthe assigned loan specialist refused. He, XXXX XXXX insisted on phone-only communication, stating he would not alter the process " just for one person '' and pressured me to proceed or have my file closed. I expressed that I was not comfortable moving forward without clear written answers to my questions regarding the loan terms and fees. 

I also discovered that the agreement included a variable interest rate with the possibility of increasing to 18 % as early as the second monthagain, a critical term not disclosed in advance. 

I asked for my application to be canceled and for my personal information to be removed from their systems. I am concerned about how my personal and financial information is being handled and whether it is being shared with third parties. 

This experience has raised serious concerns regarding transparency, fair lending practices, and data privacy.
Product: Money transfer, virtual currency, or money service

XX/XX/19 I sent {$250.00} via XXXX through wellsfargo and within 5 mins I realized it was a scam and called Wells Fargo to stop the transaction. They opened a case and told me they would investigate and sent me a letter that theres nothing they could do.
Product: Debt collection

Im being harassed by Affirm on my credit score, it is damaging my credit adversely after they claim it will not affect my credit until XXXX  days. Ive called Affirm to talk about this issue numerous times & they have been no help at all. It is always someone with a strong accent. I plead with them to get me financial hardship with these loans that I will pay but they are not trying to work that out and now Im constantly harassed with being overdue with my payments, my credit score is taking a hit before the XXXX  day report mark they put out there & theyre not willing to negotiate so I can pay my balance in an easier fashion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I sent letters requesting that the accuracy of the information on my credit report be investigated. After 30 days the information came back verified. Once information came back verified, Hunter Warfield   contacted me. I again questioned the validity of the information. Hunter Warfield sent me a contract with no letterhead, information missing although there was a dollar amount associated with it. I agree contacted Hunter Warfield upon which they sent the exact same incomplete  information. XX/XX/XXXX and XX/XX/XXXX Hunter Warfield sent out invalid documents to prove accurately that I own the debt among with an incomplete ledger. Recording of the agent agreeing the information is inaccurate
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

There is an XXXX account for the amount of XXXX on my credit account to an address I did not live in. I did authorize XXXX service nor should this account be on my credit report.