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

XXXX XXXX XXXX XXXX. Visa card XXXX XXXX XXXX XXXX they ( chase  ) Closed the Account in XX/XX/XXXX. I explained to chase whom I've been a customer since XXXX, that the chargers that was being charged to my account was not mine. I've never exceeded my 10 % usage on any of my cards. But they never resolved the matter and now it destroyed my credit file and score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the bulk of the chargers that was unauthorized. XXXX XXXX XXXX also charged allot of interest in relations with these charges.
Product: Credit reporting 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. 

has violated my rights. Or a list of inquiries : XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 card or prepaid card

In XX/XX/2022, I was alerted through XXXX XXXX XXXX that someone was attempting to open a credit card in my name through Bank of America. I immediately contacted BOA to notify them that I never applied for a credit card through them. They verified the fraudulent attempt and said they would take action and notify my credit agencies. The fraud attempt through BOA was on XXXX XX/XX/2022. 
The next month, I was notified again through XXXX that another fraud attempt through BOA was made. I contacted BOA again, they again said they would take action and report it to my credit agencies. The fraud attempt through BOA was on XXXX XX/XX/2022. 
The fraud attempt 's happened again on XXXX XX/XX/2022 and in XX/XX/2022. Bank of America stated they never granted credit on these attempts and I was directed to put a freeze/fraud alert to all the credit agencies. 
Unfortunately at this time, two of the fraud attempts XXXX XX/XX/2022 and XXXX XX/XX/2022 inquiries are still reflecting on my credit reports which I'd like to have removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX , and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX, XXXX, and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Security Breach. I do n't know how much or what was taken, but I now stand the risk for, well, ever, that someone will maliciously use my personal sensitive information. I have yet to buy my first house, but I now worry that my credit will be misused and negatively impact my ability to borrow or buy.
Product: Credit reporting or other personal consumer reports

Equifax has blocked me from their log-in website, and They are not answering my calls to the Settlement department. They have mailed my credit report in paper format only. I had past issues with their company in 2010. I had a court order paid off child support debt. They allowed the debt to remain on my credit report for XXXX years and it had a negative impact on my credit score. I disputed it and they removed the debt within 30 days. Equifax has informed nor notified me I was entitled to the Settlement suit..
Product: Credit reporting or other personal consumer reports

company has not updated my personal info consumer report as i have previously sent.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was contacted by Genesis this year about an unknown debt thats not mine from XXXX. Im not sure how they received my contact information. The debt theyre saying I owe, they have no proof of signature. I reached out to the company that alleged I owed this debt and they confirmed the debt wasnt mine and dont know how or why anything was sent to Genesis. Ive sent a certified letter to Genesis to show proof the debt is mine, and without proof asking for a cease and desist confirmation to have this removed from my credit report. As a result of this erroneous debt, my credit score has dropped XXXX points. Ive always taken pride in my excellent credit score and because of this its no longer excellent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Checking or savings account

In short, I signed up for Chime when they had a promotion, promising {$250.00} in credit if you completed specific payroll transactions within a period of time. I completed the required steps, and waited for my credit, never received it, reached out and was given subpar, mediocre responses without any valid reason for why I did not get the credit. As a result I opted to file a complaint with CFPB. Chime has remained problematic in their lack of regard and response to this prior complaint, only stating the minimum to get CFPB off their back and not rectify their wrong. Please handle this with appropriate investigation into Chime 's problematic practices. I am attaching the transcript of the prior complaint and Chime 's responses which were utterly inadequate and have not resulted in any form of resolution.
Product: Debt collection

XX/XX/2017 {$500.00} This account is an result of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a home it was set to sale on a foreclosure date. 
My home sold before it foreclosured. 
The mortgage company XXXX reports it as a foreclosure/repossession. 
This is not right, I have tried on several telephone calls to have it removed. 
They stated they can report it foreclosured if it went into foreclosure. 
Dumb it was not foreclosure.
Product: Credit reporting or other personal consumer reports

The Credit Reporting Agencies never did a proper " investigation '' according to the FCRA.

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates, of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this! 

Also, they have violated my rights even more. 

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my consumer report. 

The Credit Reporting Agencies stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is inaccurate. This is grounds for removal.

They also violated the law because according to : 15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

I did not give anyone or Credit Reporting Agency written instructions.
Product: Credit reporting or other personal consumer reports

This company is harassing me and reposting inaccurate credit reports can harm a consumer 's ability to get loans, the interest rates they qualify for, and their employment prospects.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AM A VICTIM OF IDENTITY THEFT.
Product: Consumer Loan

Lender Sportsman 's Credit, LLC agreed to drop my payment to {$350.00} due to me having to pay the IRS every month. I have been paying {$350.00} for almost an year know. Well lender XXXX XXXX had a real bad attitude on XX/XX/2016 and told me I have been paying partial payment and that I 'm {$1800.00} dollars in late fees. I did n't know anything about this. He also got mad and told me he did n't want my tragedy XXXX car and to go ahead and file bankruptcy like my friend did which I did n't not know.
Product: Credit card or prepaid card

There was a account opened in my name that I didn't give permission to do that its Capital One it was opened on XX/XX/XXXX and closed on XX/XX/XXXX of 2020 and I didn't open an account with them.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately, I had XXXX late payment on an account that was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following date XX/XX/year>. I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

XXXX XXXX closed my account then gave my information to XXXX of my jobs and reported it to the XXXX major credit bureau and credit report shows closed with a balance then showed open with a balance and shared my information with jobs address with other credit card companies Ive asked XXXX XXXX XXXX times to remove my information and stop selling/sharing my information.
Product: Debt collection

I had a private student loan with the company Navient, formerly Sallie Mae. I was in college and my loan was in deferment. On the DAY I graduated, they sent my loan to collections. I had NO correspondence. I had called them and mailed them my change of address SEVERAL times in addition to them having my family members contact info as well. My loan was originally for {$15000.00} and now they are claiming that I owe {$41000.00} and they sent the loan to collections. I was paying the collection agency {$200.00} a month starting in XX/XX/2017, after paying on it for over 6 months, I realized that EACH MONTH Navient was still reporting on me for missing payments even though my account had been charged off from them and was supposedly closed. This has hurt my credit, tarnished my record and I am at my wits end. I have reached out to them several times, I've filed complaints, disputed the account, and each time I've been given the run around.
Product: Mortgage

In connection with a home purchase on XX/XX/21 we obtained a fixed rate, 30 year mortgage from Loan Depot. The " final '' Closing Disclosure that we were provided as a part of our closing package listed the Estimated Total Monthly Payment as {$3900.00} which included {$480.00} of monthly escrow funding. It also identified our Cash to Close as {$79000.00}. A little over a month later on XX/XX/21 we received a note from LoanDepot thanking us for a ( nonexistent ) inquiry and informing us that our escrow account was underfunded at close ( which, although they admit no wrongdoing, was due to their misunderstanding of the property tax system in the state of Michigan ). They also sent a revised Closing Disclosure ( despite the fact that we closed over a month ago ) that listed our Estimated Total Monthly Payment as {$4800.00}, which included {$1400.00} of monthly escrow funding, an increase of $ XXXX ( 23.3 % ), which they asked us to sign without explanation of what transpired. Over the XXXX term of the loan, this amounts to an incremental {$330000.00} that we, the borrower, will have to pay despite it being undisclosed to us prior to closing.
Product: Student loan

XX/XX/XXXX, I noted that my pslf account of a little over {$110000.00} in student loans was showing as past due payments for multiple loans. However, this account has been in forbearance as it is a SAVE plan account, and I am also on auto pay. This is incorrect billing, not a missed payment. 

I attempted to call MOHELA but was disconnected by the robo-answering machine when attempting to get in touch with a human representative. So, I then sent a message to their official email through the messaging function on the website. 

I did not hear back from them for a few days, so on XX/XX/XXXX, I sent another email through their official messaging system on the website. I then checked back a day later and I had a received a canned AI response to my initial message that did not answer my question. 

Today, XX/XX/XXXX, upon revisiting my account, I have found the " past due '' amount has now doubled and will be filing another written complaint through the messaging system, and attempting to call them again when able. There is no possible way I owe this money, as I have been on forebearance and on auto pay, and I do not want these false " past due '' amounts to negatively affect my excellent credit score that I have worked so hard to achieve.
Product: Vehicle loan or lease

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EXPERIAN and the account name is XXXX XXXX XXXX balance {$0.00} account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one is reporting a derogatory account to my credit. I have requested that this account be investigated because the information that is being reported is different across the big 3. I have requested for them to send a copy of the method of verification that was used to prove that everything being reported is true and accurate. It is against FCRA 623 ( a ) to report inaccurate information to my credit report
Product: Checking or savings account

On XX/XX/2023 I walked into the Navy Federal branch to deposit my backpay check from my employer United States postal service. the following day I received an email stating that by deposit would be held 5 more business days but could not tell me why. I am highly XXXX off and someone needs to be held accountable. I'm currently living in hotels and tonight I could not pay my hotel bill, I don't have any money for food. Navy Federal have really put me a dangerous situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that Experian to do a verification of these XXXX XXXX XXXX XXXX XXXX and XXXX that are listed under my name which I dont recognize. 
After about a week I received an email response and they told that they did an investigation and everything was accurate. I did a thorough research myself and found improper inaccuracy on the credit report even though they say they did Moreover, In accordance with FCRA both XXXX XXXX XXXX XXXX and XXXX have violated my rights. Furthermore, under section 15 U.S.C 1681 Sec 602A, states I have right to privacy and Under section 15 U.S.C 1681 Sec 604A, states a consumer reporting agency can not furnish an account without my consent. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I I got an email last night with the Subject line " Adverse Action Notice '' from a company called XXXX, of which I've never previously heard. The email stated : Thank you for your recent application for a XXXX account. After very carefully reviewing your request, we regret that we are unable to offer you an account for the following reason ( s ) : Delinquent past or present credit obligations with others This may or may not be true, I don't know ; my credit isn't the best after a divorce and selling my house. They went on to say they'd pulled my info from Transunion and how I could get a copy of the report. For reference, my email address they used is my full legal name, though I have no idea how they got it nor other PII to pull my credit report. 

I sent an email stating : I didn't apply and have never heard of you. Where did this request originate? 

To which I received the reply : Thank you for reaching out! We apologize for any confusion this email may have caused. It was sent in error. You don't have an account with XXXX. This message should not have been sent. We sincerely apologize for the confusion. Please let me know if you have any questions. 

I replied : As you're pulling my credit, this isn't a good enough answer. How did this happen? And after 4 hours with no response sent : I need an answer to this or an escalation. No reply yet. 

How could this have happened and what recourse do I have? I found the phone number on their privacy statement XXXX, but it's a simple recording saying to reach out via email or the app. I have not found any other numbers. 

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. I did contact XXXX XXXX XXXX who stated they can not assist me as they only provide financing and have no internal access to their systems.
Product: Credit card or prepaid card

came bk pre approve XXXX amer ex card
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day. I called my bank XXXX XXXX XXXX XXXX  ) to increase my withdrawal limit on cash advances as well as atm transactions. They require an identification with personal information along with a set of 4 questions operated by lexisnexis. I apparently answered one of their questions incorrectly according to their records. The complaint is 2-fold, I answered the questions correctly so either the person at the bank made a mistake or their data is flawed. The 2nd portion of this is the item that I am most concerned about, one of the questions asked was which of these people do I know. I didn't know any of them but, asking this type of question and storing this type of data about me is wholly inappropriate. I suspect that this is the question that I answered incorrectly against their records but for identification verification this type of question should not be asked and should not be considered good practice.
Product: Payday loan, title loan, personal loan, or advance loan

The Consumer Financial Protection Bureau ( CFPB ) has ordered installment lender OneMain Financial to pay {$20.00} XXXX in redress and penalties for failing to refund interest charged to 25,000 customers who cancelled purchases within a purported full refund period, and for deceiving borrowers about needing to purchase add-on products to receive a loan. OneMain will pay {$10.00} XXXX in refunds to consumers it harmed, and an additional {$10.00} XXXX penalty to the CFPBs victims relief fund. 

The one main financial never called me and kept charging me high amounts of interest
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Nevada XXXX XX/XX/2022 RE : PERMISSIBLE PURPOSE LETTER To whom it may concern. 

I, ( XXXX XXXX ) never gave ( EQUIFAX, XXXX, OR, XXXX XXXX XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute You also do not have any permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following accounts : Name of Account Account Number Provide Verification XXXXXXXX XXXX XXXX XXXX Unverified Account
Product: Debt collection

I got a notice from Cavalry portfolio Services , LLC XXXX XXXX XXXX XXXX Az XXXX. For a debt from XXXXXXXX XXXX. I never ever have any account of any kind with the said bank. I tried to call then to clarify but they insisted I should pay any way.
Product: Money transfer, virtual currency, or money service

I was informed that through my Bank something was attempting to purchase items I did not approve of. 

I was told no money would be taken out they just needed a code to submit a claim and stop payment of the purchase. 

They took two payments out totaling roughly {$1700.00}. Because it was done through XXXX my Bank is not supporting me because it was done through a third party.