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

on XX/XX/2022 i reported to my bank chime that i got hacked and that my phone and all my cards got stolen the day of XXXX i made a police report and sent all information to chime through email even all of the evidence that my XXXX page was hack and money from my account was getting sent to people that i didn't authorize i explained this to them for 3 days and i still didn't receive any help from chime they kept emailing me that they didn't see any errors on my account then on XX/XX/2022 i found out that they lock my account and stated that detected usually activate on my account and emailed me that i had to send verification of my id and a picture of me with my id to supportatchime.com through email because when i tried to login and do it through the app it wasn't working so when they emailed me i sent all proof to them as they stated and then on XX/XX/2022 they emailed me aging and ask me to send all my proof to them aging but this time they wanted my id and another picture of me with my id and a piece of mail with my name and address i didn't understand why they needed more information just to unlock my account so i called them and ask if i can speak with a manger to ask them why did i have to keep sending my information when i already sent it they act like they couldn't answer my question so i ask them to close my account down because i feel as if they might be a part of the fraudulent activity the manger told me it will take approximately XXXX business days just to close my account they didn't help me get my money back they told me it wasn't any errors that accrued on my account but they locked it due to unusually activity on my account none of this made since to me i lost out on XXXX dollars do to scamming and people who hacked me i couldn't pay my rent i couldn't pay my bills for water and gas and electricity do to all of this activity that has happen and I'm going through a life XXXX and i need help and support for my identity and my money that was stolen from me i have all the information if needed i have my police report i have all the emails i have all the evidence that i was hacked i have everything but no one is willing to help me to resolve this problem
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I had a Bankruptcy filing placed on my credit report after my Social security number was comprised and taken over by a completely different social Security number. This was dismissed due to Identity theft. I have asked for this to be removed from all 3 credit bureaus to no avail. In XXXX of 2020, this happened a second time and was again dismissed at the federal level, due to fraud. Please help me to remove this fraudulent information from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

Dispute of Collection Accounts on Credit Report I am writing to formally dispute the presence of a collection accounts on my credit reports. After reviewing my credit reports, I have identified accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  etc reporting as a collection items. I dispute the accuracy of this information, and I request a thorough investigation into the validity of all collection accounts. I have not received any communication from original creditors regarding this alleged debt, and I am not aware of any outstanding obligation to them. Please provide detailed information about the accounts, including the nature of the debt, the original creditor, and the dates of any transactions. I also request validation of the debt, including copies of any relevant agreements or contracts. Would also like all items bankruptcy discharged in XXXX  to be updated and/or removed. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. I also request that, during the investigation, the accounts be marked as " disputed '' on my credit report. I appreciate your prompt attention to this matter. Please inform me of the results of the investigation as soon as it is completed. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX has failed to insure my consumer report is fair and equitable to me at all times. I have not provided any written consent nor a court order for them to furnishing negative information from XXXX XXXX XXXX XXXX for which they are accepting monetary fees to aid in ruining my reputation. They are allowing XXXX XXXX XXXX to harass me on an alleged debt through the means of my consumer report which I refused to pay pursuant to 15 USC 1692c ( c ). This is an infringement of my privacy which constitues as identity theft for using and sharing my nonpublic personal information without my consent or knowledge!
Product: Mortgage

XX/XX/XXXX This letter addresses the unfair and unethical practices by Bank of America, N.A. 

HELOC opened in XXXX with Bank of America Mortgage Company. 
XXXX Loan matured. Reached out to Bank of America to re-modify the loan. Request was denied. Monthly statements were still received and paid on time until XX/XX/XXXX. 

In XX/XX/XXXX we received a call ( no postal mailings ) for the total payoff of the loan. 
Contact was initiated on our part but were unable to make contact to speak to anyone directly. We thought it was a scam because no more calls or mail was received. 
Regular monthly billing statements were received which we paid on time every month. 

In XX/XX/XXXX the below occurred : XX/XX/XXXX when we received our monthly statement to pay full amount of the loan. 
Contact was again initiated with Bank of America Mortgage Company and no progress was made because I was informed both account holders needed to be available and my husband was not. 
Another attempt was initiated with Bank of America Mortgage Company we were transferred twice to two different departments and then disconnected. 

As per another lending institution for advice and here is what we were told : Our HELOC should have matured after ten years, where in that time we should have been able to borrow against it ( but we did not ). 
After the ten years deadline, we should have been able to refinance/re-modify. 
In XXXX we proceeded with re-modifying the loan with Bank of America Mortgage, but this was denied. 
No paper work was mailed regarding this, but monthly statements continued. 

Based on our experience, Bank of America Mortgage is not a consumer friendly nor consumer helpful institution. Their communication skills and customer services are simply unacceptable. My husband and I would really like to re-modify this loan so that we may start paying into the principal and eventually pay it off. 

Our goal is simply to get this loan settled, so that we will still be able to live in the house that we have tried so hard to maintain for our family. 

Thank you again for your time and consideration.
Product: Mortgage

I HAVE CONTACTED SELENE FINANCE SINCE XX/XX/2024 IN REFERENCE A PAYMENT THAT WAS SENT BY XXXX TO THEM ON XX/XX/2024. I HAVE BEEN GIVEN THE RUN AROUND FOR 2 MONTHS SAYING THAT THEY LOST THE PAYMENT AND THEN THEY FOUND IT AND IT HAS YET TO BE POSTED. I KEEP LETTERS FROM THEM STATING WE ARE BEHIND AND IT IS GOING TO EFFECT OUR CREDIT AND I INFORMED THEM TODAY THAT I WAS REPORTING THEM TO THE XXXX XXXX XXXX BECAUSE THEY ARE NOT DOING WHAT NEEDS TO BE DONE.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion :
Product: Credit card

I have an Amazon Visa credit card through JP Morgan Chase. On XXXX XXXX XXXX I purchased through Amazon, a desk chair in the amount of {$76.00} using Amazon 's promotional financing, which was six equal monthly payments with, 0 % interest. 
On XXXX XXXX XXXX I made a purchase thru Amazon in the amount of {$31.00} and on XXXX XXXX XXXX another purchase thru Amazon in the amount of {$16.00}. On XXXX XXXX XXXX due to a problem with a late delivery from the previus month, I received a criedit of {$16.00} and on XXXX XXXX XXXX another credit of {$15.00} for another delivery issue from the prior month. 
When I made my payment in XXXX, I applied the two credits against the purchases made on XXXX XXXX and XXXX XXXX and paid the difference, plus {$12.00} XXXX XXXX of the promotional balance of {$76.00}. ). When I received my statement dated XXXX XXXX XXXX there was an interest charge of {$.00}. What Chase did was apply the two credits of {$16.00} and {$15.00}, plus my 5 % redemption credits of {$1.00} against the promotional balance .This misapplication of the credits resulted in the interest charge, as the bank said I did not pay my monthly purchases in full.It also negates Amazon 's promotional financing statement of six months to pay with no interest because the bank says my promotional balace, as of XXXX XXXX, is {$17.00}. This misapplication of the credits means the bank can fraudently charge customers interest.
Product: Checking or savings account

XX/XX/year> {$1100.00} To this day I havent got my direct deposit from capital one and i tried calling them and they just keep dropping my calls
Product: Credit card

Saw through credit monitoring that I had a balance on a long paid off Fortiva credit card. Checked my statement and had no purchases then also checked my agreement which showed no annual fee associated with the card. 

Talked to someone with Fortiva on the who said the mailed me information about the change but I never received it and do not show it in my USPS informed delivery. I've gone through all of them. Which I told her. She said oh it was an email for XX/XX/XXXX. No email. Since when does omission of correspondence mean the agreement is affirmed? I never signed anything. 

They would not remove the annual fee and said the only way to do so was close the account. Either way effects my credit. I had to close the account with future authorization no being automatically declined. 

Currently still awaiting XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX  XXXX Date Opened : XX/XX/2018 Balance : {$12000.00}.
Product: Credit reporting or other personal consumer reports

This morning, I saw unauthorized inquiries on my credit report and I have no clue why they're there. When I checked my credit report as I normally do, I noticed these unexpected discrepancies. I tried refreshing my browser to see if it was a glitch, but it didn't help. The unauthorized inquiries remained after the refresh. Due to this problem, I'm requesting a thorough review of the documents I've sent to ensure I wont have to worry about this again.
Product: Debt collection

The debt itself is from XX/XX/year>, well past the 6-year statute of limitations. The debt was also transferred to my ex-husband as part of our divorce settlement. I have provided this information to XXXX XXXX. They have been rude on the phone, hung up on me, and one representative yelled at me. They have lied to me, saying I was responsible for the debt even though a court order dictates that I am not responsible. They have also lied and said that the statute of limitations differs for them and doesn't expire until XXXX.
Product: Credit reporting or other personal consumer reports

Hello, I would like to start out by noting that account # XXXX XXXX XXXX XXXX XXXX. This is the correct and only accurate account i had with that company. This account was closed on XX/XX/2023. 

Now I have taking the liberty of attaching several supporting documentations. That will support my findings with account number ending in XXXX XXXX. That's being reported on my Equifax and XXXX credit profiles. 

I have found that XXXX XXXX XXXX XXXX is reporting two different account numbers. 
XXXX ) XXXX account # XXXX XXXX ) Equifax account # XXXX XXXX ) XXXX  account # XXXX company I'm disputing wrong account number, Payment status and Last updates. This company has been reporting a wrong account number. At the same time typing in derogatory and damaging incorrect status information. They are changing positive information into negative information every month. After I'd called and informed them of their discrepancies. 

I was denied of a home equity loan today. Due to XXXX XXXX XXXX XXXX XXXX reported on my Equifax credit report. That that closed account now was ( Not more than XXXX payments past due ). How in the XXXX can they report on a closed paid off/Never late account. 

This Company needs to be shut down and have a investigation done. I can't be my life for advancement was rip right from under me today. XXXX knows, I was extremely excited to get equity from working so hard to pay down my mortgage. To where I was able to pull cash from my investment. Unfortunately, as you will see from the supporting documentations. I was denied the loan due to a XXXX Equifax credit score. After it drop XXXX points from the information that XXXX XXXX XXXX XXXX reported. 
Only XXXX has the correct and true correct account information. I attached it as well, and you will see the correct account # and the correct status information as well. 

I ask so whole heartily that this account be DELETED from my Equifax and XXXX credit profiles. So that this will never ever happen again.. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Navient confirmed in communication with me that account notes show I had requested a forbearance before missing any payments, but Navient reported my account 90 days past due, strictly for XXXX XXXX XXXX 

After noticing the hit to my credit, I contacted the company and they corrected their iXXXX XXXX, but have failed to correct my credit report. 

I have repeatedly reached out to XXXX, XXXX, and XXXX to request correction, but Navient has failed to confirm the correction, maintaining a false hit on my credit and negatively impacting several major purchases. 

Please investigate all parties for responsibility and corrective action.
Product: Mortgage

Due to excessive expenses after recovering from Hurricane Milton and being in a federally declared disaster zone, I have communicated via numerous calls and messages to Freedom Mortgage since beginning of XX/XX/year>2024 that I am requesting a Disaster Forbearance plan which would defer 4 monthly mortgage payments to the end of the loan. Freedom Mortgage is not processing this request and instead seems to be trying to force me into a loan modification which would significantly increase my interest rate plus extend the terms of my loan. Freedom Mortgage has also reported to the credit bureaus that I am delinquent and my credit score dropped XXXX points. On top of all this Freedom Mortgage has reported a balance increase of {$4000.00} to XXXX since XX/XX/year>2024 and there's been NO notice sent to me directly about this balance increase.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Cosumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists 7 Separate fraudulent accounts appearing on my consumer FICO report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX XXXXL account opened : XX/XX/XXXX amount {$7600.00} Account # XXXX, XXXX XXXX XXXX & XXXX Account opened : XX/XX/XXXX, XXXX : {$53.00} Account # XXXX. XXXX XXXX XXXX XXXX Account Date XX/XX/XXXX. Inquiry : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX account # XXXX, XXXX account # XXXX, XXXX  XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXX XXXX account XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602A states that I have the right to privacy.

15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without my written consent.

15 USC 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 USC 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: Prepaid card

I recently won an amex gift card through a sweepstakes on XXXX, I was sent an {$100.00} virtual amex gift card, accompanied by a {$50.00} XXXX XXXX XXXX XXXX. I was able to spend the XXXX XXXX XXXX immediately, worked well, but the amex card was a different story. I have tried every merchant possible, XXXX, XXXX, XXXX, and target to name a few, but I have tried many more ( including lesser known shops, just in case ) and no one will take it. I have called customer service at American express 4 or 5 times and they keep telling me the same thing, that my card is being declined for fraud protection and to keep trying merchants or to spend in store. I can not spend " in store '' when it was a virtual gift card, this lady keeps telling me that I can just type my card info in at stores in person but that's not how stores around here work, no card, no in person spending. I tried to request a check in the amount of the gift card and failed there as well as they told me the refund or check would go to who issued the gift card instead. I'm at my wits end, I have {$100.00} dollars stuck in space with bills due and shopping needed, I won that money fair and square and it isn't fair that I'm fighting a losing battle to spend it. Please help.
Product: Mortgage

XXXX CFPB : TARP Fund Recipient Bank of America violated RICO and TARP by interfering with and denying me HAMP/HARP. I demand to Close on the Refinancing effective XX/XX/XXXX. 

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

I submitted a complaint about Equifax. 
complaint I.D XXXX and mailed a certified letter to equifax indicating for them to remove the extended fraud alert from XXXX report as I never requested to have one placed. 

I received a letter from Equifax indicating that there are no alerts on my report, however, this is incorrect, please see attached file from XXXX  of credit report pulle XXXX  XXXX indicating there 'file status : extended fraud alert '' Please remove extended fraud alert immediately yo avoid legal action.This is the second request and it is being documented as well as the first one, which was sent via certified mail. 

Thank you.
Product: Credit reporting or other personal consumer reports

I disputed the error in my Equifax credit report and despite providing evidence that the debt was previously settled, Equifax is still not correcting the error. Section 611b of the Fair Credit Reporting Act ( FCRA ) entitles me to add a statement ( 100 words or less ) to my file giving my version of the dispute so I demand that Equifax add this to my file under the erroneous information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why is rentdebt still appearing on my credit? This should have been totally remove. I have attached the aud control number for removal.