23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Since XXXXXXXX XXXX XXXXXXXX we have had a fleet fuel card for our company cars thru XXXX 's. We started noticing about 6-8 months ago they were charging a " Credit Risk Assessment Fee '' of {$150.00}. We have always been able to get that fee reimbursed and get some type of " Free '' 3 months without the fee after getting it credited back. The last one came in XXXX XXXX XXXXXXXX and I notified them and they gave me a credit back of this fee the following month but then charged it again. Before noticing I paid my bill in full and closed the account. Now our bookkeeper noticed the fee I am trying to get this credited back to me. XXXX 's is refusing to give me the credit because the account is paid in full and closed. 

Through the lifetime of this card XXXX 's has been trying to get me to take out more credit with them and we have always refused because of the fee. 

I believe this is fraudulent and it needs to stop because I am sure they are doing this to thousands of customers.
Product: Credit reporting or other personal consumer reports

*** XXXX XXXX account number is XXXX XXXX open XXXX XXXX, 2022 the information not correct, the name is not correct, the address not correct, I am sure account not my, please remove on my credit report, thanks
Product: Credit reporting or other personal consumer reports

XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX. 

Did not try to open this card. Want to report fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX  XXXX XXXX are all showing on a chexsystems consumer report which shows incorrect name, social security number, and addresses these are all stemming from identity theft in which I've sent police reports, affidavits and ftc reports these financial institutions have chosen to violate my rights and not remove these invalid and illegal accounts from thier system after sending proof Ive hired an attorney to take matters to local and federal courts
Product: Payday loan, title loan, personal loan, or advance loan

I lost my job, so I contacted them to try to get my payment lowered because of the hardship. I was told I would have to miss a few payments in order to get a hardship review to lower my payment. I kept in contact with them letting them know I still want to revise my loan with the hardship and get a lower payment. The lady I spoke to said I could pay {$50.00} until we could get that worked out. I sent the payment, but the office moved location. The next thing I know I get court papers for a judgement against me. I called and asked why, she said they never received my {$50.00} payment. I told her where it was sent to, so she gave me the correct address, and I sent them another {$50.00} payment, but they would not do anything about the court papers I was sent. I was told I had to sign them in order to not go to court. I told her I was upset about them taking this to the court after I agreed to pay the {$50.00}, not to mention they reported this to my credit. I used them a few times before and had never been late and always paid off my loan. My credit plummeted and it shows a debt collection on this and court on there as well. I have been paying {$50.00} a month for several months now and not missed, but they refuse to change things on my credit. I'm upset I was told I had to miss a few payments to get help lowering my payment, plus the fact that they took me to court though I was trying to pay them and work it out, and not have it reported on my credit. Every time I talk to them ; I'm told it will be revised and taken care of but it's not. Plus, it's showing a larger amount that I owe reflecting on my credit. When I told them that she said I would have to dispute it on there and there is nothing she can do. I feel like I have been done very unfairly and am very upset about my lower credit due to their not handling this properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's client XXXX XXXX is a victim of identity theft. His information was used to apply for several auto loans as well as XXXX XXXX XXXX and credit cards without his consent. While the applications filed did not create accounts the applications did leave fraudulent related inquiries on his credit reports. Official disputes of these inquiries were sent to each of the creditors however a recent review of credit reports still has several of the creditors reporting the fraudulent inquiry data. This is a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sirs, The following is based on a letter written from the Consumer Financial Protection Bureau and applies to any of my accounts that may have gone delinquent in the wake of the Pandemic Covid-19 : The CARES Act places special requirements on companies that report your payment information to credit reporting agencies. These requirements apply if you are affected by the coronavirus pandemic and if your lender gives you an accommodation to defer a payment, make partial payments, forbear a delinquency, modify a loan, or other relief. 
If your lender does make an agreement or accommodation with you : How your lenders report your account to credit reporting agencies under the CARES Act depends on whether you are current or already delinquent when this agreement is made. These reporting requirements apply only if you are making any payments required by the agreement. 
If your account is current and you make an agreement to make a partial payment, skip a payment, or other accommodation, then the creditor is to report to credit reporting companies that you are current on your loan or account. 
If your account is already delinquent and you make an agreement, then the creditor can not report you as more delinquent ( such as reporting you as 60 days delinquent when you started out 30 days delinquent ) during the period of the agreement. 
If your account is already delinquent and you make an agreement, and you bring your account current, the creditor must report that you are current on your loan or account. 
This CARES Act requirement applies only to agreements made between XX/XX/2020 and the later of either : 120 days after XX/XX/2020 or 120 days after the national emergency concerning COVID19 ends. 
If your lender does NOT give you an accommodation : In addition, the special comment is temporary and may only show on your account for a period of time, such as during the time of a declared national emergency. When the lender stops furnishing the special comment information, it disappears permanently and entirely from your credit report. There will be no record that there was ever a special comment placed on your credit report.

The CARES Act also applies to certain federal student loans and includes requirements relating to suspending payments and credit reporting. During the period that payments on federal student loans are suspended by the Department of Education, any payment that has been suspended is to be reported as if it were a regularly scheduled payment made by the borrower. ( any increase in the balance of the loan is invalid. 
All three companies have continued to ignore my complaints regarding this issue and have ignored the regulatory filings regarding the banks ignorance of the cares act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and the contacted companies won't close and adjust accounts
Product: Student loan

I simply want a Graduated Extended payment plan for my very large Parent PLUS loans -approx {$200000.00}. It does not require a particular income and does not involve forgiveness of any kind. I had one for my own student loans and it was granted as a matter of course. Mohela is treating it as a kind of forbearance or forgiveness plan and requires income information, which I have provided, but which is not necessary. Here are the dates of my previous applications and Mohela 's responses so far. I will begin monthly payments as soon as the XXXX XXXX plan is approved. 

Appplication date : XX/XX/XXXX - as soon as Mohela notified me of the upcoming payment amounts for XX/XX/XXXX. Response : XX/XX/XXXX : " Your loan ( s ) are not currently in repayment. You may reapply once your loans are in repayment. '' Application date : XX/XX/XXXX. Response XX/XX/XXXX : " Your loan ( s ) are not currently in repayment. You may reapply once your loans are in repayment. '' My loan was on an administrative forbearance until XX/XX/XXXX because Mohela was late in sending the XX/XX/XXXX bill, I believe. 

Application dateXXXX - Processing Application date : XX/XX/XXXX- Processing Application date XX/XX/XXXX - XXXX I have called several times over the months. The customer service representatives are not empowered to help, they just say the application is " processing. '' For the last XXXX applications, the website states I should be receiving an answer in " XXXX to XXXX business days. ''
Product: Student loan

On XX/XX/XXXX, MOHELA informed me that my student loan was being placed into forbearance as a result of ongoing litigation related to the XXXX plan. In that same letter, they mentioned two specific things : ( XXXX ) interest rates on loans in forbearance would be 0 % and ( XXXX ) payments made during forbearance periods do not count toward PSLF. 

On XX/XX/XXXXXXXX XXXX MOHELA sent another letter saying that this loan would in fact be charged interest. 

I am eligible for PSLF because of my current job. I can not make payments now because according to MOHELA they won't count. But if I don't make payments, I will continue to accrue interest.
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 confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number : XXXX Account Name : XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Accoun Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 states A consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

On XX/XX/XXXX of 2018 GM Financial reported an outstanding balance remaining on the leased vehicle of {$190.00}. This was not noticed until i pulled my credit and they were reporting this balance because they had an invalid address in their system to send the proof of the debt to. I have paid off the balance and provided them with my correct address. I have the proof showing they were sending the statements to the invalid address that does not exist. I have contacted them several times to delete this off my credit since it has been paid off and they refuse even though i have proof showing they were sending the statements to an address that is invalid. I need this deleted off my credit report as soon as possible or i will have to seek legal action against them for their mistake.
Product: Credit card or prepaid card

I had approximately {$75.00} in cash rewards on two business credit cards with Bank of America. They unilaterally closed both of my business accounts, revoked my business credit cards, closed my personal checking and saving accounts, and did not allow me to redeem my cash rewards on my business credit cards to my personal account prior to closing that account, as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired XXXX XXXX to act on my behalf to submit an application of Forbearance with XXXX XXXX. 
I was told that there was a mix-up with my social security number and that XXXX XXXX was responsible for the mistake. 
I was instructed that the mistake would be corrected and NOT to make any payments. Any negative activity would be deleted once the social security number was corrected. 

I have tried several times to have this 90 day late remark removed from my credit reports, but XXXX XXXX refuses to do so. 

I have been denied credit because of this mistake which was no fault of my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

Can u please delete the 2 " Fraud hard inquiries ''. I know nothing about this new inquiry qt all. As i will provide documentation of the duplicate inquiries. I also froze my accounts with fraud alerts and reported to the FTC for further security & Investigation measures. 

This was improper use of my credit report of hard inquiries that i am unaware of and did not authorize. I was notified by XXXX XXXX XXXX XXXX app thats someone accessed my info. I also filed a FTC Report. 

Any company is supposed to contact me before hand regardless if an attempt is made to try anythi g on my report. U will also see i included that on my reports and in this report as well. 

The 2 unauthorized Hard Inquiries are listed below. I even have freezes and fraud alerts on there and not sure how it still got on there. As i will show u documentation that it was blocked originally. 

Experian is blaming the creditor, the creditor is blaming Experian and I been getting the run around. Then finally they told me it woukd be deleted in the next 24-72hrs but yet its still on my report. 

Duplicate Hard Inquiries : ( XXXX XXXX XXXX )
Product: Money transfer, virtual currency, or money service

On Saturday XX/XX/21, I received a text alert from Chase Bank, which I am signed up to receive, for potential fraud on my account in the form of wire transfer of {$2000.00}. I replied NO to the message and received another alert stating that someone from the fraud department would be calling me shortly. I received a call from Chase Bank approx 3 minutes later. He asked me if he was talking to XXXX XXXX and I said yes. He told me that there was a wire transfer attempting to be made from XXXX to a person named XXXX. I stated I did not use XXXX and had not set it up on my account. He then told me that in order to have the money not leave my account, I would need to set up XXXX and essentially issue a reversal to myself in the amount of {$2000.00} and it would put a charge back through to XXXX to make sure the payment did not leave my account. Not having used this service before and believing that I was talking to someone from Chase, I followed the instructions I was given. I received a code to input. Never did I give this person any information or any codes and I verified that the number I received alerts from was the number chase had used in the past and verified the number was the chase bank customer service number. The {$2000.00} was transferred out of my account and I am being told by Chase that it's XXXX responsibility to reverse the payment if they wish to do so and XXXX customer support has told me that they have no access to the bank info through chase and that it will be the banks responsibility to return the funds. Neither of them are being helpful. I was told by Chase that because I willingly transferred the , there is nothing they can do. But I didn't willingly transfer the money, I was given instructions by someone claiming to be from Chase, calling me from the Chase Bank number.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX was contacted to remove an unauthorized that they are reporting on my credit report i have advised them that my information is being used without my promission an i would like the account removed i spoke wit XXXX ID # XXXXand i was advised if i supply my identity theft report, then the account would be removed from my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Data Breaches and Incorrect Information on Credit Report To Whom It May Concern, I am writing to file a formal complaint regarding unauthorized and erroneous entries on my credit report which I believe are a direct result of a data breach. These inaccuracies are negatively impacting my credit score and my ability to obtain financial services. 

Details of the complaint are as follows : XXXX. Unauthorized Inquiries and Accounts : My credit report contains multiple inquiries and accounts that I did not authorize or open. These entries are likely the result of a data breach, where my personal information was compromised and used fraudulently. 
XXXX. Incorrect Personal Information : Alongside unauthorized inquiries, there are discrepancies in my personal information such as wrong addresses and employment details that I did not provide or authorize to be shared. 
XXXX. Failure to Validate by Credit Bureaus : Despite my efforts to have these inaccuracies addressed directly with the credit bureaus, there has been no satisfactory response or resolution. The bureaus have failed to validate these accounts as required by law, specifically referencing the U.S. Code [ relevant sections from the image you provided, such as 15 USC 1681i and 15 USC 1681s-2, which demand accuracy and verification of credit report information ]. 

Given the seriousness of a data breach and its significant repercussions on my financial profile, I urge the CFPB to intervene and assist in : Thoroughly investigating these entries. 
Ensuring the credit bureaus adhere to the Fair Credit Reporting Act by removing all unverified and unauthorized information from my report. 
Providing oversight to prevent future occurrences of similar issues. 

Attached are the relevant documents supporting my claim, including evidence of the data breach notification, communications with the credit bureaus, and a detailed list of the disputed entries. 

I appreciate your immediate attention to this matter and look forward to your assistance in rectifying these issues as swiftly as possible. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

A man named XXXX XXXX ( something, the phone kept cutting out ) from XXXX and associates called from XXXX and insisted I had a debt that he was going to sent to court and have criminal charges brought up on me. He told me my name SSN DOB and address from 6 years ago. I didn't confirm anything but my name. When I pressed him he said the debe was from One Main Financial and that I had made arrangements to pay and had made XXXX payment of {$170.00} in XXXX of 2016. I denied knowing about the debt and demanded proof of such debt. He said good luck in court. I then found the number for One Main financial and called them I spoke with XXXX XXXX who verified I do not have any debts present or previous with them. XXXX then suggested contacting credit bureaus and law enforcement.
Product: Mortgage

In XX/XX/2020 we made the decision to have our mortgage placed in forbearance as a result of the financial strain resulting from the Covid19 pandemic. 
I had been speaking with " XXXX '' during this time. XXXX offered another financial plan that would move the forbearance amount owed to the end of the mortgage term. During my conversations with XXXX, I understood that as long as I resumed paying our monthly mortgage payment beginning XX/XX/2020 the account would be in " good standing '' and without penalty or effect to our Credit. We were able to resume making our mortgage payments since XX/XX/2020, and have done so since. 
During this time, we suffered roof damage to our residence and became involved with the " loss draft '' department of XXXX. While waiting for the funds to be released, from Loss Draft, our contractor 's time frame for repairing our roof wax delayed. 
Recently I was reviewing my credit report and it is showing that I have negative remarks from XXXX  saying that I am 120 past due on my loan. 
I don't understand why but XXXX is not wanting to add the 5 months of forbearance to the end of the loan term and then on top of that they are ruining my credit in the process. 

We have asked for them to help us and they refuse. 
This is a FHA mortgage.
Product: Bank account or service

After being a loyal customer to chase bank for 15 years several accounts credit cards etc never a missed payment never a fraud claim until now. Got fraud on my debit card in a hotel in XXXX where i stayed in XXXX and fraud was done in XXXX. Chase sides with hotel that produced forged documents from the fraud. I have proof i was working in XXXX the days in question and XXXX dollar chase bank is gon na side with XXXX hotel rather than 15 year loyal customer for mere XXXX dollars a month before XXXX the hard working middle class man
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and request the elimination of this fraudulent inquiry from my credit report.
Product: Mortgage

Instead, they send kind letters stating they're here to help and on the backend, they are sending it to foreclosure. 

Complaining to the DA here in California is not possible because they have turned off the link to file a complaint with them and the real estate fraud occurring at the same time. 

You will see 10 notices and a loan document for me to sign attached providing proof of my complaint. They need to have their licenses revoked and fraud charges made against all parties to this property grab.
Product: Debt collection

Professional Credit Service continues to call claiming a debt is owed but will not provide proof of debt after repeated requests from me. All they say is that they've sent a letter to my address, but I have not received anything from the company, nor have I ever received any validation of the debt. I have asked numerous times for them to stop calling.
Product: Checking or savings account

My son was a longtime customer of Santander. We came to deposit {$30000.00} into his account and he wanted to add me, his mother, to his account as a joint owner. Bank rep and manager refused to provide this service to us " because I was born in former XXXX XXXX. '' Long time ago, in XXXX, plus we are both citizens of the USA for 30+ years and live in PA all of this time, my son served in the XXXX XXXX XXXX I am employed in financial institution for 20 years. This is a clear case of discrimination based on birthplace. After that my son closed all his accounts at the Santander bank. Very much upsetting case, not in best practice of US businesses.