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

Hello, I am asking you to check the items appeared in my credit report because those accounts are not mine. I am attaching accounts in this report for you to reinvestigate. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. 
If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I contacted Experian about the following negative accounts XXXX  XXXX Inquiry on XX/XX/2021, XXXX XXXX XXXX Inquiry on XX/XX/2021, XXXX  Inquiry on XX/XX/2021, XXXX  Inquiry on XX/XX/2021XXXX XXXX XXXX  Inquiry on XX/XX/2021, XXXX  XXXX Inquiry on XX/XX/2021, XXXX  Inquiry on XX/XX/2021, XXXX  XXXX Inquiry on XX/XX/2021. Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made many inquiries to Transunion concerning one late payment on my personal credit report that shows late on XX/XX/2020 by XXXX XXXX XXXX which they have sent letters to Transunion stating its reporting in error. I have never been late on anything in my life. I sent every document to Transunion to prove this and to remove the one derogatory late from XX/XX/2020 from my personal credit bureau at once. They said they would. They have not so here we are again for the 6th time.
Product: Debt collection

In checking my credit report I see that I have a collections account listed with XXXX XXXX XXXX. They have never sent me any letters in attempting to collect this debt. I was suppose to receive a letter explaining who they are and why they are contacting me. I should have had a chance to dispute this debt by asking for information about the original creditor. That never happened. 

In addition, there have never been any phone calls, emails or contact with this company. They are not trying to contact me, they are simply reporting this account to XXXX and XXXX.
Product: Debt collection

XXXX XXXX has failed to provide me a copy of statements after mutable attempts, XXXX XXXX have not given me a copy of records of all payment that I have made with them.
Product: Credit card

On XX/XX/XXXX, I was sent an promotional email from Chase about an offer where I could earn XXXX bonus points with Chase XXXX if I booked a hotel stay through the portal that was $ XXXX by XX/XX/XXXX and if I completed the travel by XX/XX/XXXX. I booked a hotel for XXXX XXXX XXXX. The website states that it could take up to XXXX weeks after travel to receive the bonus points. 

It is now XX/XX/XXXX and I still have not received the XXXX bonus points from Chase. 

I called in the beginning of XXXX ( XXXX weeks after my trip ) and they claimed to have escalated the issue. I received a letter dated on XX/XX/XXXX stating " Please allow up to XXXX weeks after travel is completed for for statement credit to post to account. '' I called again in XXXX and they stated they had escalated the issue, and I should be getting the bonus points. I called again on XX/XX/XXXX, and they are still not able to provide an answer to why the points have not posted in my account. They are claiming to escalate the issue again. I have not been able to speak to
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told these credit card application would be soft inquiries and would not show up on my credit report. In addition, I went to purchase a vechilce and only gave authorization for one inquiry. The dealerahip sent it to various bank without conset. Please delete this unauthhorized inquiries from my credit report. 

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: Payday loan

I was refused a PayDay loan because they have me listed as On Active Duty in the Military. See attachment. But I am a CIVILIAN and I have never been in the Military. I am XXXX years old. How in the world did I get listed as being in the Military? 
How can I get OFF this List of being On Active Duty in the Military. 
ASAP please!!! 
Thank you!
Product: Credit card or prepaid card

I opened two travel credit cards with chase. These two particular cards were recommended by financial adviser. I opened a few other cards to built credit. I have rebuilt my credit. I had been paying for everything mostly in cash. We chose the cards according to travel benefits, points that were offered per approval. They make other offers per use of the card within the 1st three months. I used the cards booked all my travel as I travel for a living. The accounts were closed without any warning. Paid as agreed. I was sent a letter after calling to inquire about the closures. In the letter it stated I had to many new accounts opened in a short period of time. I asked about the terms of the agreement. I hadn't used all the benefits that were given upon approval of the cards. I asked how can I get the benefits that I earned per charging the card was apart of those conditions of the term of the card. I was told just continue to make the payments. I've read a lot of complaints of the same issue. It seems as though chase false advertising on their credit cards to get people to charge up the cards then prematurely close the cards without keeping their end of the agreement. Many of the reward through the airline only work with the use of the credit card at that time of travel.
Product: Checking or savings account

On XXXX/XXXX/XXXX, we make a deposit of cash and a business check into our personal checking account. The cash was in the amount of {$3000.00} and the check was in the amount of {$3900.00}. As in Past deposits with cash, we were told that the cash would be posted to our account and would be made available immediately. When the bank decides to hold our cash for 24 hours is often inconsistent, but does seem to correlate with whether we have additional funds in our checking account. If our count is lower, it seems that the cash is held and money is pulled from our line of credit and fees are assessed for this. If we have a lot more funds in our checking account, the cash is made readily available. As of today, XXXX/XXXX/XXXX, both the business check and cash are being held as pending And money was pulled from my line of credit. When I called my bank, I was unable to speak to a supervisor and was told that the reason for the cash being held is that the deposit amount was large. This is no more than typical deposits we make and in the past cash has been made available immediatel when I called my bank, I was unable to speak to a supervisor and was told that the reason for the cash being held is that the deposit amount was large. This is no more than typical deposits we make and in the past cash has been made available immediately. This seems to Me like a way to fraud customers and force him into using your line of credit so that additional fees can be assessed. I would like a response to this and resolution.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX on multiple occasions since XX/XX/XXXX. Experian and XXXX failed to report an accurate delinquency on my credit report. I am on a verge of losing earnest money on a home, and a home I am currently under contract for. I tried filing a dispute with Experian, XXXX XXXX, and XXXX. I have been doing everything in my power to get my credit report fixed and up to date with inquiries that are hurting not only my credit but my home, family and career. I have been a student with XXXX XXXX XXXX XXXX, a credited school since XX/XX/XXXX. I have a signed in-school deferment letter signed by an official and have gotten nowhere. I please ask to get these XXXX delinquency reports REMOVED from my credit report please. I have not been late on any payments, I have been a mother, public service employee and a student throughout this period and currently in the process of being a homeowner. I request that this inaccurate report be REMOVED completely since I did not fail to make any paymnents.
Product: Credit card or prepaid card

I was on vacation in California, in late XXXX this year. My wife needed a new swimsuit, so we went to Kohls. We had left our Kohls card in my wife 's purse at my Parents ' house, so I had the cashier look me up using my social security number and state ID. 
I was surprised to see someone else 's name and address pop up on the screen. 
It turned out that our account was under my wife 's name, and my social security number was being used by someone else. 

I immediately called Kohls on XX/XX/XXXX to file a dispute. I was told that a dispute was in place, and a letter would be sent to my address. 

As of XX/XX/XXXX that letter had not arrived, so I called Kohl 's back. It turned out that no dispute or fraud claim had been filed because my birthdate and the birthdate on the account were different, but the representative assured me that they were placing a fraud alert on the account, and even gave me a confirmation number. 
In the meantime, I set up an account with the FTC and started an identity theft recovery plan. I also put a freeze on all the credit bureaus ' reports. 

XX/XX/XXXX I received a letter from Kohl 's addressing a dispute of charges to that account. The letter had my correct address, but it still had the other person 's name in the address line.

Again I called Kohls. It turned out that there had not been a fraud alert placed on the account again. The representative assured me that the account would be " taken care of. '' When I asked if it had been closed, the call disconnected. 
Meanwhile, my wife had also received a letter that someone had tried to use her social security number to apply for a Kohls credit card. We called and cancelled her account. 
As I was searching the web to see if other consumers had similar issues, I noticed that the FTC had sued Kohls in XXXX for not providing information to their customers who were involved in identity theft, and now they are required to do so in a " timely manner. '' It turns out that Kohls seems to have a data breach problem with very little incentive to do better. It's not worth the 30 % off.
Product: Credit reporting or other personal consumer reports

I am refiling this complaint to TRANSUNION for allowing the fraudulent accounts on my credit report. I filed an FTC report with the report number XXXX. As I checked my credit report these fraudulent accounts are still reflected on my credit reports. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy. I have attached the FTC report together with my driver 's license and proof of address.
Product: Credit card

I left a balance of {$150.00} on my previous statement on my tjmaxx mastercard. On the last statement I was charged appropriate interest for that balance. I paid that balance off. The new statement came out today changing me interest yet again on that balance I just paid. I was told by synchrony bank that they would not reverse the charge despite that they were charging interest on a balance that does not exist anymore.
Product: Credit reporting or other personal consumer reports

I was reviewing my consumer report and noticed hard some inquiries that do not belong to me
Product: Checking or savings account

Can you reach out to @ XXXX and make sure they have my transaction data on time. That would help me so much, @ askRegions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I contacted Experian via USPS Certified mail to request a investigation into 5 accounts that were incorrect on my credit report. I never received a response from the company even though they received my dispute on XX/XX/2020 via certified mail tracking receipt. I contacted Experian a second time via USPS Certified mail on XX/XX/2020, to notify them that they failed to comply with my request within the allowable timeframe and to please remove all 5 incorrect accounts. They received this request on XX/XX/2020 via certified mail tracking receipt and they have not honored my request to remove the account they failed to investigate. Instead on XX/XX/2020, report # XXXX, I received dispute results for accounts that were Disputed & received on XX/XX/2020. I did not dispute any accounts on XX/XX/XXXX, I was asking to have the accounts that were NOT investigated from XX/XX/2020 to be removed. This company is breaking the Fair credit Reporting Act law. Please assist.
Product: Checking or savings account

XXXX bill pay from Bank Wells Fargo to XXXX XXXX for {$9800.00} sent by a XXXX XXXX to XXXX XXXX account XXXX this showed up as a payee in my account which I did not setup. On trying to resolve with Wells Fargo fraud on the phone. I was told sorry you did it or you gave your info to someone who did it. Basically too bad. I got a hold of a supervisor who called XXXX. fraud to find out that account number has been closed due to bad activity. XXXX I was told W.F. has closed the investigation and will not return my funds. They have told me they sent me letters which I have never received. 
dealing with them has been a frustrating task people can not help and are always passing on to another dept. to start all over again. 
I believe the bank got hacked and my funds stolen, which they will not admit to.
Product: Mortgage

I 've requested a mortgage modification and submitted financials to Wells Fargo Home loans several times. I have been unable resolve this matter because Wells Fargo refuse to process my request. I have spoken with several relation managers regarding this matter. I 've been told they have n't received my documents or they need documents I have previously forwarded to them. It is very apparent to me Wells Fargo is intentionally mishandling my request. I 'm currently residing in the property and I do want to maintain ownership of my property. There is a property foreclosure sale set for my property XXXX/XXXX/2016. I recently received a property foreclosure correspondence from Wells Fargo foreclosure Attorney, The correspondence is not a XXXX notice prior to the foreclosure sale as required by Texas XXXX. I appreciate your immediate attention in this urgent matter. Thank You
Product: Mortgage

I am afraid I responded too superficially to XXXX XXXX ' memo and I would respectfully like to change my response as follows. This new complaint regards the previous CFPB Case No. XXXX and concerns my home at XXXX, loan ending in XXXX. 
The law firm of XXXX XXXX has sent me a very large memo with exhibits numbered XXXX After reviewing the memo carefully, I would like to respond as follows. 
1. Yes, I would like to remain in my home, which I built, and would like to obtain terms of a loan modification such as was offered to me in XXXX XXXX. 

2. Yes, I wish to be granted a very good modification from BofA for the rental home in XXXX XXXX in return for the horrible experience they have put me through by wrongfully foreclosing FIVE TIMES in a row, and arbitrarily rescinding a settlement I obtained legally from the bank. 

3. There are many inaccuracies in the firm 's report. First, I was never declined because I failed to submit the necessary documents. BofA 's requests for documents were couched in terms that are perhaps ambiguous " we are missing the required documents '', etc. But if you carefully review exhibits XXXX and XXXX you will see that the documents requested are always different documents in each request letters. As part of the process, the agents constantly asked for new documents, and I always provided them on time. The letter in exhibit XXXX is especially incorrect as indicated in my log below since it was your agent who was absent at the conference call she scheduled with a BofA bank agent in XXXX XXXX where I took all my documents. You can ask agents XXXX, XXXX, or XXXX, they will tell you I was always on time, always diligent and organized. Please read these my log carefully to dispel this idea of decline letters due to " missing document, '' you will see that the process went on because if anyone was reliable in this process, it was me. 

4. I would like your firm to explain to me how I could possibly be denied a modification because I was making payments still in XXXX, to being denied a few months later because of my inability to make payments [ XXXX XXXX, exhibit C ] XXXX. I would like to point out that the attorney I hired to understand the " offer '' you made in XXXX XXXX, actually laughed at your offer which gave me a 4 % interest for only one year, then went right back up to 7 % after a few years. It was a useless exercise, since this was a COUNTRYWIDE NEGATIVE ARM LOAN which went up by {$110000.00} as of XXXX XXXX. 

I am attaching the summary of my problems, a log of my communications with the bank, and a list of my questions with specific reference to items in your response or in my questions. PLEASE NOTE THAT ITEMS # XXXX, XXXX, AND XXXX IN MY LIST OF QUESTIONS ARE OF PARTICULAR RELEVANCE AND IMPORTANCE. I appreciate the chance to discuss these matters in detail with you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing once more to express my bewilderment at your credit bureau 's handling of the investigation into the accounts, as I continue to dispute the presence of fraudulent accounts on my credit report. As you are aware, I have submitted the required FTC report regarding these fraudulent accounts. Following my submission, both XXXX and XXXX removed these accounts from their records. I have also directly contacted the companies associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally bound to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. 

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: Money transfer, virtual currency, or money service

Created taptapsend account on Fri XX/XX/XXXX to send my brother abroad some money. I entered all my personal data, including my debit card. I sent a small amount on Saturday ( less than {$200.00} ). Got a sucess sent screen for which i have a screenshot. They then never informed me but apparently suspended my account. multiple messages and calls, and no one coudl tell me why. finally today XX/XX/XXXX, they send em an email saying they confirm my account si suspended byut give no reason for it. I believe this company si a front for stealing American citizen 's financial data.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2022 my car loan was listed as a repossession on my credit. My car was never repossessed nor did XXXX XXXX XXXX XXXX attempt to repossess the vehicle. I filed a credit bureau review request with XXXX XXXX, to which I received a letter in the mail stating they were reporting information accurately. I ended up trading the car in. How can I trade in a car that was reposessed?
Product: Debt collection

I was working in XXXX while my resident in XXXX XXXX FL, when the virus outbreak started I had to break my lease and move back home, the apartment owner didn't care about the virus and ask for {$3400.00} for breaking the lease, I couldn't afford that since I'm still out work, didn't get any government help and don't know when i can get back to work. the debt make it's way to National Credit system , INC, they start immediately calling sending letter treating me, my first action was to send a register mail asking for ACCOUNT VALIDATION REQUEST, they ignored that and keep sending mail and calling, I'm not sure what is my right at this point and how to move forward, I apricate same help and direction on this matter. 
XXXX
Product: Credit reporting or other personal consumer reports

1. On XX/XX/XXXX I sent NELNET a letter opting out of reporting. Its been over a month and they are still reporting. According to 12 CFR Part 1001, the Consumer Financial Protection Bureau ( CFPB ) is mandated to enforce federal consumer financial laws, ensuring the protection of consumers in financial transactions. This is also found in 15 usc 6805.

2. Family Educational Rights and Privacy Act ( FERPA ) of 1974. As a federally protected individual under this act, I am entitled to the privacy and confidentiality of my educational records. NELNET continued to violate me by disclosing information without my explicit written consent, in accordance with the provisions outlined in FERPA.. FERPA can be found in 20 usc 1232G and codified in 34 cfr 99.

3. By NELNET still reporting to third parties AGAINST m
y consent. Its a violation of my privacy. The Privacy Act of 1974, specifically under USC 5 U.S.C. 552a and 34 CFR Part 99.. This action violates the privacy protections outlined in the Privacy Act, which governs the collection, use, and disclosure of personal information by federal agencies, including educational institutions like Nelnet. 

4. Please refer to the letter attached for more laws and violations.
Product: Debt collection

On XX/XX/XXXX, I traded in a leased XXXX XXXX  XXXX ( XXXX ) to XXXX XXXX in XXXX, MA. XXXX was given and accepted the vehicle, along with a then-current buyout balance of {$45000.00} payable to XXXX XXXX. 

As soon as I became aware of the account 's delinquency on XX/XX/XXXX, I contacted XXXX to expedite the payment ( they claim they sent payment to the wrong address ). This payment was finally received, per an automated " Payment Processed '' e-mail from XXXX, on XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter dated XX/XX/XXXX advising me that the account was still delinquent {$3600.00}. Upon calling XXXX ' collections department to follow-up on the account 's status, I was advised that the payment was received, but not applied " for some reason '', and that only " Customer Care '' could fix this. Due to the Coronavirus situation, they were not accepting inbound calls. I was promised a callback within 72 hours, which has not happened as of XX/XX/XXXX. 

Separately during this situation, XXXX was assessed excise taxes from the Town of XXXX, MA for a vehicle I no longer possessed and added the balance to my account accordingly. I attempted to file an abatement on their behalf, but the Town stated it must be abated by XXXX directly. 

On XX/XX/XXXX, per the instructions on the letter, I wrote to XXXX XXXX disputing the validity of the remaining debt. This was sent via USPS Priority Mail ( Tracking # XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX