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

I XXXX XXXX am a federally protected consumer who has a right to privacy. I have never given XXXX or any other consumer reporting agency consent to furnish information and or accounts to my consumer report. 15 USC 1681 ( 4 ) states that there is a need to insure that consumer reporting agencies ( Experian, XXXX, XXXX etc.. ) exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Consumer reporting agencies have a legal duty/responsibility to protect and preserve my information and right to privacy. Using, obtaining or sharing my information or furnishing information or accounts to my consumer report without my consent is identity theft and is a direct violation of the law. 

XXXX defines Consumer Report as any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for XXXX also states what consumer reports should Exclude : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ]
Product: Debt collection

During the government shut down all of credit card companies promised to skip a month of payments in order to help with those dislocated workers who were being negatively affected by the shut down. Not a single one of them did and they lied to consumers about it which caused me to miss payments a get even further behind to the point at which I could not even begin to catch up. At this time I contacted them and told them the situation and they said they could set me up on a payment plan and suspend my card until I caught up which would give me a much lower interest rate. Again they lied. The ones who lied were CitiBank ( CITICARDS CBNA, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX  XXXX XXXX.
Product: Student loan

When I submit a payment for my student loans on Navient 's website, I receive the standard email confirmation and, a few days later, I receive a follow-up email stating " Your recent payment has posted to your loan ( s ) ''. Several days after the XXXX email - now well past the payment due date - I receive a XXXX email stating I am late on my most recent payment. 

Looking into my payment history on Navient 's website, my payment was reversed ( for reasons Navient did not bother to explain ) on the same date that I received the initial payment confirmation email. This contradicts the XXXX email stating a payment was posted to my loans, which I would assume would only be sent if the payment was successful. I received no notice whatsoever that there was a problem with my payment. I had to figure that out on my own after receiving the XXXX " late payment '' email. This has happened several times in the past year, causing me to be late on a handful of loans even though I submitted payments well before the due date.
Product: Checking or savings account

Towards the end of XXXX, 2022, 2 mobile deposits were made into my account. I called USAA and flagged them as fraud with their service representatives. On the following Monday, I called back because my application on my phone was not working. I was transferred to a lady who said that I deposited the checks that were fraudulent and am responsible for all the funds while USAA was exercising their right to discontinue my banking. They took my XXXX XXXX check and refuse to talk to me. I have been hung up on NUMEROUS times. They say I need to be verified before answering any questions but I have been completely deleted out of their system. I received a bank statement in XXXX or XXXX saying they still owed me a small fraction of the money they took from me. Everytime I call about my refund I get hung up on. The physical location is in another state. I can not just go talk face to face. I have asked numerous times for copies of the checks to see where they came from and the signature on the back. I have yet to receive anything after 5 Months.
Product: Debt collection

I notice on my credit report a collection which has appeared from Savit collection, The date of service was on XX/XX/2019 yet Savit Collection is reporting this since XX/XX/2019, Based on the XXXX XXXX XXXXXX/XX/XXXX Plan This should not have been reported prior to 180 days.
Product: Credit reporting or other personal consumer reports

This complaint is against XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX GA XXXX. 

Years ago I had my identity stolen and used to open debt. It has taken me years of action to separate myself from this individual. I have registered police reports and ID theft cases with the FTC. In XX/XX/year>, I started receiving credit card offers that mixed my personal information with that of the individual who stole my identity. I reached out to the XXXX and XXXX departments of the companies who were supplying the credit card offers. They informed me that indeed my personal information was being mixed with this individual. Offers have gone out to both parties with incorrect information. I was informed that the information they received as a basis for issuing credit card offers was coming from XXXX XXXX services noted above. They also recommended contacting the major credit agencies to check my credit reports. I took action and contacted the 3 main credit bureaus ( XXXX, XXXX and XXXX ). All confirmed that I had credit freezes in place, as well as fraud alerts, and no information from the individual who stole my identity was contained in any of their credit reports. I further put a fraud alert with XXXX. All acknowledged that they supply XXXX XXXX XXXX with data, but all denied mixing information between parties. 

I have tried to reach XXXX XXXX XXXX through their phone number XXXX. However, it is not possible to reach a person. All calls are to automated menus and the only correspondence I can get from them is a 'opt out " form template. There is no way to reach someone to correct the issues of mixed PI information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I got with a lawyer and filed for chapter XXXX bankruptcy. After a few months goes by, I receive my letters from the Bankruptcy Courts ( Northern District of Illinois ) a order to discharge debt was granted to me ( as shown in pg 1 below ). After my chapter XXXX bankruptcy was finalized, I then pull my credit report to make sure all debts that were included in the bankruptcies were in fact reporting accurately. To my surprise, a few accounts that was included in the bankruptcy were still reporting as in open status with a high balance, which negatively brings my score down. I'm fully aware bankruptcy chapter XXXX can legally stay on my credit report for 10 years. But what i'm disputing with the credit bureaus is that it must be reporting accurately. I dispute this accounts, XXXX XXXX XXXX credit installment and car loan balances XXXX with Experian and XX/XX/XXXX Less than 72 hours later, Experian states that the account has been verified and will remain reporting the same way. Again, i'm simply disputing a open account which shows XXXX XXXX XXXX XXXX as an open account when it was included in the chapter XXXX Bankruptcy and should be close, due to it being a discharge debt. My understanding that it's unlawful for a creditor may no longer initiate or continue any legal or other action to collect a discharge debt. XX/XX/XXXX XXXX is continue to report recent past due balances and late payments to the credit bureaus on a discharged debt. which wrongfully discreadit my worthiness and fresh start to my financial stability.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account # XXXX on XXXX of 2021 I was late on my monthly payment due to XXXXXXXX. Me and my wife where both XXXX  during that time and unfortunately we were unable to make the payment. I called XXXX XXXX XXXX to see if they could remove my late payment and the representative that i talked to said they where unable to remove the payment. He said that even if I sent a good faith letter they would not remove it. I pleaded with him and let him know that the payment was missed due to being XXXX XXXX XXXX XXXX He went on to tell me that if I would have made the payment 2 weeks before hand this wouldn't have happened. I let him know that getting XXXX where not in my plans and that if I forgot about the payment was because I was more worried about getting out of the hospital alive then making sure I made my payments on time. He then went on to make fun of my illness. That's when I asked him if I could speak to his manager. He took down my number and told me that the manager would reach out to me within 24 hours. Its been a week and still no call from the manager. I'm writing this complaint to see if you can remove this late payment from my report since XXXX XXXX XXXX will not do anything even under my circumstances. I hope you can find it in your heart to remove this for me. I would really appreciate it from the bottom of my heart.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SPECIALIZED LOAN SERVI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Back in XXXX 2016, the American Express Platinum was offered a promotion of XXXX reward points with {$3000.00} spend in the first 3 months for an upfront charge on the annual fee of {$450.00}. I took the offer and earned the points that was deposited on XXXX 2016 on platinum account ending XXXX. On XXXX XXXX, 2016 the XXXX reward points was rescinded, it clawed back without any reason. As a consumer after paying the hefty fee of {$450.00} and legitimately met the minimum spending of {$3000.00} from the mall and car rental, with the points being clawed back with no explanation nor anything was proved that I was n't eligible/qualify especially after 3 months now the annual fee would be refunded this case is clearly a consumer fraud and dishonoring of their promotional offer. 

In resolute of this case I would like Amex to re-deposit the XXXX back to my platinum account ending XXXX and an formal apology with letter of explantation. 

I have contacted Amex reward team and spoken to XXXX on this case, her ID is XXXX with no avail.
Product: Checking or savings account

Hello CFPB, I am a victim of PAYPAL ID THEFT. My full legal name is XXXX XXXX and my CA Driver 's License # is XXXX. 

Someone created a Paypal account using my full name and email id XXXX ' around XX/XX/XXXX. My official email id is XXXX '. The email ID XXXX ' was one of my unused email ids and I have not used it in more than 6 months. 
They then accessed my XXXX XXXX XXXX Primary Checking Account with Account # : XXXX and two Debit Card Accounts with Account # XXXX : XXXX and XXXX. Then, unauthorized Paypal transactions fraudulently transferred money from my XXXX XXXX XXXX Checking Account with Account # : XXXX and two XXXX XXXX XXXX Debit Card Accounts with Card Account # XXXX : XXXX and XXXX from XX/XX/XXXX till XX/XX/XXXX. I did not create the Paypal account and I did not transfer money at all using this Paypal account online to anyone. 

Transactions started on XX/XX/XXXX and ended on XX/XX/XXXX. The total # of transactions that are of ID Theft and are fraudulent and unauthorized in nature is 18 across all 3 accounts numbers mentioned above. 

I detected the fraud in XXXX XXXX but could file final Claims with XXXX  XXXX XXXX for reclamation and refund of money only in XXXX and XX/XX/XXXX due to my medical issues. The total amount of money transferred fraudulently from my XXXX  XXXX XXXX Checking Account with Account # : XXXX is {$6900.00}. The total amount of money transferred fraudulently from my XXXX XXXX XXXX Debit Card with Account # : XXXX is {$2000.00}. The total amount of money transferred fraudulently from my XXXX XXXX XXXX Debit Card with Account # : XXXX is {$6900.00}. 

The total amount of money transferred fraudulently and without authorization across all 3 Accounts is {$15000.00}. I have filed multiple Claims numbering atleast 9 with Paypal to get my total money back. Paypal Fraud Department has ruled against all of my Claims and has refused to classify the Paypal account as an ID Theft case. It has also refused to refund my total money back to me. 

I have an Affidavit signed with a Notary Officer of the XXXX XXXX County, CA as well as a Police Report filed with XXXX XXXX PD with Report # : XXXX XXXX as well as a Police Report filed with XXXX PD with Report ID : XXXX to use as reports for my ID Theft case. 

Please look into making sure justice is served here and that I get my total money of {$15000.00}, obtained as a result of PAYPAL ID THEFT BY PAYPAL INC, AS SOON AS POSSIBLE BACK FROM PAYPAL INC. 

Thank you, XXXX XXXX, Mobile # : ( XXXX ) XXXX Email ID : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on all 3 bureaus and its not mine. I have been not given any investigation results or information as to why it's on there still.
Product: Vehicle loan or lease

I have requested multiple statements a monthly billing statement. At first I was receiving paperless statements and attempted to access my monthly billing statements in the statements section of my online account with no success. I switched to paper billing and have received only one paper bill. I am still not able to access my monthly statement online in the app via the statement section.
Product: Checking or savings account

Hi, I called my bank ( chime ) because I saw a pending transaction of {$700.00} on XX/XX/XXXX. They told me they werent able to do anything until its settled and when its settled I can dispute it. I did just that, and now they are denying and closing my claim. I asked them why they told me I have to provide more proof! I asked them what proof can i provide you since I was home the whole time with my bank card. They told me they cant reopen it unless I provide evidence it wasnt me. I explained I cant prove I was home thats not realistic. So now they refuse to refund me my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted to transunion about incorrect information on my credit report and have not received information on how they verified the account. I have attached XXXX certified request from secretary of state and i have no liens placed against my name for the said account listed on my credit report that the credit bureau verified and remain. They are in violation of the fcra for not properly verifying these accounts. I have attached a re- investigation letter for their review.
Product: Vehicle loan or lease

An affidavit of Billing Error Notice was mailed to Westlake Financial but they didn't respond back. 

The account is an agreement, not a contract. Based on the consumer protection laws and your lack of complete disclosure I rescind the entire transaction due to fraud. 

CONSUMER PROTECTION LAWS and U.S. CODE VIOLATIONS : Equal Credit Opportunity Act / Truth in Lending Act Regulation Z.

Fair Credit Reporting Act/ 15 USC 1611- False & Inaccurate information.

Fair Debt Collections Practice Act/ 15 USC 1692 - Debt collection practices.

CFPB 1026.23 Right of Rescission ( cancellation ). 
A note is only a promise to pay and not payment ( XXXX XXXX XXXX  v XXXX, XXXX P XXXX XXXX ). 
15 U.S. Code 1692a ( 1 ) - Reporting to fake credit bureaus such as XXXX, XXXX, and XXXX. 
18 USC 112/ 5th Amendment - Depriving my liberty as a National of the United States of America ( 8 USC 1101 ( 21 ) ) by placing a limit/ negative report on my credit history without due process of law and/or without my consent.

42 U.S. Code 408 ( 8 ) / 42 U.S. Code 3617 - Asked for my Social Security Number, and without an alternative plan to get the loan without using my SSN or destroying my credit score/history.
Product: Credit reporting or other personal consumer reports

I am writing to alert you about a concerning and crucial issue concerning the compromise of my social security number, leading to my victimization in a data breach and identity theft. To address this promptly, I've already reached out to the Federal Trade Commission and submitted an FTC Report with the reference number : XXXX, which is included with this letter. 

Under 15 USC 1681c-2 c ( a ), it is vital that, as a credit reporting agency, you take immediate action to block and eliminate all information linked to this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly handle such requests within four business days of receiving a complaint that includes specific information, as outlined below : - XXXX XXXX Charge-off {$4600.00} - XXXX XXXX XXXX Charge-off {$4900.00} - XXXX XXXX XXXX Charge-off {$4100.00} - XXXX XXXX XXXX Charge-off {$4900.00} XXXX XXXX XXXX XXXX Charge-off {$4100.00} - XXXX XXXX XXXX Charge-off {$5600.00} - XXXX XXXX XXXX XXXX {$16000.00} - XXXX XXXX XXXX Charge-off {$16000.00} - XXXX XXXX XXXX Charge-off {$16000.00} - XXXX XXXX Charge-off {$16000.00} - XXXX XXXX XXXX XXXX | XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

BMW FINANCIAL SERVICES - INQUIRY - DATE : XXXX, 2021 - CALLED CREDITOR XXXX XXXX XXXX  - INQUIRY ( 2 ) - DATE : XXXX, 2021 - CALLED CREDITOR XXXX - INQUIRY - DATE : XXXX, 2021 - CALLED CREDITOR XXXX XXXX XXXX - INQUIRY - XXXX, 2021 - CALLED CREDITOR
Product: Checking or savings account

On XX/XX/XXXX, I received a fraud alert text where a transaction of {$330.00} was denied on my card. I am in XXXX XXXX XXXX so I reviewed the message once I awoke and confirmed with Chase bank that I did not make that purchase. They canceled my card and asked me to review my account for any other transactions that may have been made. I found XXXX transactions made under the same name for {$50.00} & {$43.00} with an exchange rate cost of {$1.00} & {$1.00}. The transaction was made in XXXX from XXXX XXXX. I flagged them as fraud and was temporarily refunded the money. My claim was then denied on XX/XX/XXXX. I called the customer service line requesting help and was told I could provide proof that I was not in XXXX XXXX and send it via XXXX XXXX XXXX Texas with a processing time of 10 days. I requested a different avenue of communication because according to the Chase bank Statement I received, my money would leave my account before the XXXX  day period of processing. On top of that, I do not have a car and can not get to a XXXX soon enough to mail proof nor print proof especially because my card is canceled. I was then given a fax number which I again tried to explain I dont have access to. I requested a phone number of the claims department so I could call once I gathered proof of my location. I was given the number : XXXX. I signed up for a free trial on XXXX. An app I have used for the past XXXX  months so I could review my location history. I took screenshots proving my location at the time of the transaction. I called the number I was provided which only brought me to the standard Chase number to review basic information of my account. I then called the help line again which brought me back to the same woman I originally spoke with. I asked to speak with someone else when she wouldnt provide another avenue to send my information. I was transferred to a man that informed me that I could upload my documents to the mobile app. I was thankful for this information but confused as to why that wasnt provided in the first place. It has since been added to my claim but no updates have been made and my account will be empty as of tomorrow XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed off dispute letters to XXXX, XXXX, and Equifax on XX/XX/XXXX to dispute collection accounts that are being inaccurately reported on my credit report. It has been more than 30 days and I still have no updates on my disputes and these inaccurate reports are still being reported on my credit report. These bureaus are not reporting or responding to disputes in a timely manner. These accounts need to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last several years i have spent over 400 hours, sent dozens of letters and made dozens of phone calls to this Credit Reporting Agency regarding fraudulent, inaccurate information, other illegal information added to my report, a willful lack of investigation with regards to my disputes, not honoring my request/demand to Opt-Out from their reporting, a refusal to take all inaccurate, fraudulent and illegal information off my report.

All this in violation of 15 USC 1681B ( A ) ( 2 ), 15 USC 1681A ( 2 ) ( A ) ( i ) & 15 USC 1681A ( 2 ) ( B ).
Product: Debt collection

I checked my credit karma and I have 2 credit cards that are maxed out from XXXX. One with {$10000.00} and the other with {$7700.00}. I have not opened any of these cards or know what they are. It dropped my credit score XXXX points. It says one account was opened XX/XX/XXXX and the other XXXX XXXX XXXX I would like to know who opened these account if possible and have this resolved.