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

I found a credit card account on my credit report that did not belong to me and disputed it with XXXX XXXX XXXX as identity theft. I was able to determine my mother used some of my information to take this credit card out in my name, max it and never make a payment. XXXX XXXX XXXX was reluctant to help and required me to complete a police report which I did. I reported to the XXXX, IA Police Department that my mother had committed identity theft in taking a credit card out in my name. The police department asked for additional information which I did not have and when I requested it of XXXX XXXX XXXX they refused to cooperate with the police investigation. I also hired my boss 's husband who has a lot of experience in forensic and fraud investigation. He reached out to XXXX XXXX XXXX and they required me to fill out some additional paperwork which I did. Prior to filing out that paperwork they said their investigation determined it wasn't fraudulent because of 3 points. Those 3 points were the address of the credit card ( not my address it was my mothers ) the IP and email of the credit card application ( not my IP address and it was my mothers email ) and the phone number used on the account ( not my phone number but my mothers ).

I'm an adult and don't have anything to do with my mother for obvious reasons. I've repeatedly reported this identity theft to XXXX XXXX XXXX and they refuse to remove the account and refuse to remove it from my credit report which harms my credit score. I believe they have violated my rights under the FDCPA and the FCRA. While they were not the initial fraudster, my mother was, they have contributed to perpetrating a fraud and identity theft on me by lacking to apply the most basic of investigative work once they were notified of the identity theft. A child using an internet browser could quickly determine the information XXXX XXXX XXXX points to proves it isn't my account versus proving otherwise. Furthermore, I have witnesses to this which have informed XXXX XXXX XXXX of these errors and they ignore any real evidence.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fruad Accounts appearing on credit report. 

XXXX. XXXX XXXX XXXX {$76000.00} XXXX. XXXX XXXX XXXX {$890.00}
Product: Student loan

In 2008 I was approved for a {$20000.00} private student loan, even though I was XXXX and had no credit. After taking over 7+ years to obtain my undergraduate degree, this loan accrued over {$20000.00} in interest, on top of the principle. The loan has since been " sold '' to Wells Fargo and they want me to pay {$400.00} a month on this loan. That 's almost 20 % of my monthly income and does even include XXXX other student loans I am paying on. I ca n't consolidate my student loans, because my credit is awful. At this point the only thing they can do is extend the term of the loan, which will only result in more interest. I feel completely taken advantage of and I need help setting up a payment that is reasonable for me. My federal Loans are currently on an income based repayment plan and I only have to pay {$36.00} a month. Please help me
Product: Credit reporting

I have a credit card with XXXX XXXX XXXX, which provides a maximum credit limit of {$800.00}. Previously, I owned over {$790.00} on the credit card ; however, I have paid it down, and it is/and has carried a balance of {$280.00}. XXXX XXXX XXXX has not updated my credit reports to reflect an accurate credit card utilization. My credit card utilization is listed above XXXX %, which it should be much lower.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the inaccurate reporting of account XXXX on my credit reports, which is in clear violation of the Fair Credit Reporting Act ( FCRA ). 

It has come to my attention that both XXXX and Experian are reporting conflicting information regarding the " date last active '' for this account. XXXX is reporting the date last active as XXXX, while Experian is reporting it as XXXX. This discrepancy not only undermines the credibility of the information but also violates my consumer right to have a fair and accurate credit report. 

Furthermore, I must highlight that XXXX has already deleted this account from my credit report due to my information being compromised in the XXXX data breach and the account not being verified. Therefore, the inclusion of this account by XXXX and Experian is entirely unjustified and constitutes false reporting. 

Additionally, I would like to emphasize that this account is uncollectible under the statute of limitations, which is 4 years in the state of Texas. As such, its continued presence on my credit report is not only erroneous but also damaging to my creditworthiness and financial reputation. 

I have previously requested your method of verification, and you have failed to comply with this request, thereby further violating the Fair Credit Reporting Act 611 ( a ) ( 7 ). 

Should you persist in your non-compliance and failure to rectify this situation promptly, please be advised that I am prepared to take legal action to seek relief and monetary damages under FCRA Sections 616 and 617. I am diligently documenting all communications and actions taken in this matter for this purpose. 

I hereby demand the immediate removal of account XXXX from my credit reports maintained by XXXX and Experian. I expect confirmation of this action within 7-10 days.
Product: Credit card or prepaid card

I have a monthly automatic payment set up to take the statement balance as payment when due. However, I made a manual payment on XX/XX/2019 to pay the entire balance and on the XX/XX/2019 due date, the entire amount was taken again from my bank account, even though the account balance was XXXX. 

I called and was told, " we know that happens, we just deal with it when someone calls. '' This doesn't seem like the appropriate procedure to have. One would think if they know the system is cheating their customers by taking more than they deserve, they would make a system change.
Product: Checking or savings account

I am a long-time customer with Chase Bank XXXX I have 2 checking accounts, 1 savings account, and a Chase Freedom credit card. I have no other accounts with any other bank. 

Every month I receive a credit card statement in the mail and every month I send in a check with the statement portion to pay the balance on my credit card account. In XXXX of this year ( 2022 ) I received my monthly credit card statement, and I sent back the form along with a check payable to Chase Cardmember Services ( check # XXXX ) in the amount of {$8000.00}. I also printed my credit card account number on the Memo line of the check. A few days later I checked my checking account balance and saw that the XXXX had been withdrawn. I also checked my credit card balance and saw that the XXXX had not been credited to my credit card balance. 

I called the bank to ask for an explanation and I was told to submit a written complaint to request an investigation which I did. When I called Chase this month ( XXXX ) to check on the status of the investigation I was told that an unknown individual had cashed/deposited the check to their account atXX/XX/XXXXXXXX and the XXXX was allowed to be withdrawn from my checking account by Chase. I also received a letter from Chase in XXXX stating that they were still investigating this with XXXX XXXX XXXX and it may take an additional 90 days to complete, and that Chase was blaming XXXX XXXX XXXXXXXX for the screw-up and Chase refused to replace my money to my account. 

I have absolutely no culpability in this gross negligence on the part of both banks. The check was clearly made out to Chase Cardmember Services with my account number written in the Memo line of the check. There is no excuse as to why this was allowed to be cashed at XXXX XXXX XXXXXXXX to some unknown individual. Can you help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting an Inquiry on my XXXX  credit report that I don't recognize on XX/XX/2022. 

XXXX  is reporting an inquiry on my XXXX credit report that I don't recognize on XX/XX/2022. 

XXXX  XXXX XXXX is reporting an Inquiry on my XXXX credit report that I don't recognize on XX/XX/2022.
Product: Mortgage

Today XX/XX/19 I received an email from NewRez stating my mortgage payment is handled by them and my payment is due XX/XX/19 ... .I never received any correspondence from the original loan servicer ( XXXX ) stating they sold the loan. My paperwork from XXXX that I signed says my first payment is due XX/XX/19 ... ..I called NewRez ( which was recorded ) and they are telling me my payment is due XX/XX/19 which is totally incorrect.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( XXXX ) account no., {$30000.00} 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 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 or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I had a Joint Auto Loan through XXXX XXXX XXXX that was opened in XX/XX/XXXX. The car was stolen in XX/XX/XXXX and the account became delinquent. When I reached out to XXXX XXXX in regards to the account they stated that the account was closed but it still actively shows as Open on me and my wife credit reports, It reports every month as Late. The account original balance was {$10000.00}. I have settled the account with XXXX XXXX as agreed with the creditor for {$2000.00}. But the Creditor is still reporting the account as open and late which is really hurting me and my wife credit. I have also Reached out to all three Bureaus ( XXXX, XXXX, and Equifax ) to have them investigate the account to correct the errors but they keep stating that it was verified as accurate which is not accurate. I ask that this issue be rectified as this is the only account on my report that is hindering me from moving forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ok I got a XXXX XXXX XXXX from money lion XXXX XXXX XXXX XXXX  and for the first few months it went great but then they had a glitch in there system that made it impossible to transfer money into my money lion checking acount I called and they informed me that they knew about it and would be resolved within a few days they took payment out of my buisness acount for that month and then the following month they still had not repaired the transfers into checking accounts preventing me from transferring the money into the proper acount well this kept going on month after month until I finally just told them to take the money out of my investment acount to pay the loan back and in all this time they were still charging me a membership fee that I told them I would not pay if I couldnt use the perks of the membership then they reported that to my credit report and reporting that my payment was XXXX dollars when it reall was not it was XXXX dollars a month for XXXX  months and I was making more then that payment every month usually twice the loan payment because I was trying to build my credit in the end I have got it taking care of but now they tell me it my responsible to have it removed from my credit report and i disputed it with XXXX  and they found it to. Be a valid claim even though if you actuall look at my filebuoubcan clearly see what in saying is fact
Product: Student loan

I have student loans through Fedloan Servicing. My account was in forbearance for a while and had to havr been renewed in  XXXX   2016. Co me  XXXX     2016, I was  checking my credit report and I had seen that  XXXX  accounts had been reported past due 90 days as of  XXXX   2016. I conta cted Fedloan Servicing immediately and asked them why it was showing  XXXX  accounts, 90 days past due. They told me my forebearance had needed to be renewed in  XXXX  and that it had not been. I asked them why they didnt contact me via mail or phone about this and they simply stated we do not mail letter, we have  XXXX  numbers automatically call you with an automated message. Since I do not typically answer phone numbers I do not know, I never recieved a call or a letter explaining it was late. Upon calling, they renewed my forbearance, effective  XXXX     2016. If  you do not know, you only have a limited time of forbearance and every month matters. So  I figu re ok, you 'll make the forbearance active a s of 2016 a nd everything will be good, WRONG! The next month it showed up as currently paying as agreed but still shows was 90 days past due. I called back and asked why was it showing 90 days past due on  XXXX  separate accounts? They told me they open a new account every time you start a semester and even though they prorated my deferment back to  XXXX , they REFUSED to correct the information on my credit report. I understand I have an obligation to repay my debts, but I also have a right to be notified if something is n't right. All that had to be done in  XXXX  is renew the forbearance. Despite many calls to this company, they have been rude, ignorant, and unwilling to help. Now my credit reports  XXXX  accounts were 90 days past due despite them prorating my limited forebearance back to  XXXX . Scammers! Stay away!
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

XXXX credit services who is a XXXX party debt collector submitted an old account that was removed off my credit from XXXX due to it being past the staute of limitations in the state of Nevada. This was not on my credit until we we 're at the final steps of purchasing a home and they ran XXXX last credit report and this showed up. Obviously preventing my family from purchasing a home and has now left me in the position of having to possibly ask family members if we can stay with them, uprooting my XXXX children from their school XXXX of which has a XXXX. The fact the the credit bureaus did not further research what was placed on my credit which is illegal for a XXXX party purchaser to do has ruined my life. XXXX has refused to help me. They constantly transfer me to their other company XXXX who claims they do not need to provide me with information on this account, they hang up on me, they lie to me. I have never had any contact with this company up until XXXX when I called to figure what this was. That is when I learned by talking to an attorney, the courts and reading in detail about this for numerous hours that this is illegal. I can believe that the credit bureaus have the ability to ruin ones life with just one mistake such as this. I want this removed off my credit from all XXXX credit bureaus immediately. Please!
Product: Credit reporting or other personal consumer reports

I am trying to get an apartment and most apartment complex pull a FICO score. I looked and my fico score is way below than what it is supposed to be. its showing XXXX and it should be XXXX. Please adjust asap.
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. 

Account XXXX : XXXX XXXX Account XXXX : XXXX has violated my rights. Or list of inquiries 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 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

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account 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 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.
Product: Credit card

I received a piece of mail from Citibank to get an additional credit card without any credit checks. I filled out the form to see if I was approved and then they sent me an email saying I was not. Immediately afterwards I received a credit alert from credit card saying CBNA just did a HARD INQUIRY. My credit score immediately dropped off XXXX negative points. 

On top of that, they had the audacity to deny me that credit card! 

I have an XXXX credit score. I dont owe anyone money. I make a lot of money and I feel like they may have discriminated against me due to my XXXX last name. What other possible reason would they deny me? Then hurt my credit? 
Then lie about no credit impact? 

It does not make sense!!! 


I am trying to build my credit score to XXXX. I have multiple credit cards already and would have never ever agreed to have ANYONE do a HARD INQUIRY because I know it hurts my credit score and it stays on my credit report for XXXX long years. 

I want citibank to immediately remove that unwanted hard inquiry and send me a formal letter apologizing for their false promises of No impact to credit score.
Product: Prepaid card

Attempted to use an American Express gift card to make online purchases and add to digital wallet. I attempted to contact customer service but was only met with automated responses. The card continues to decline at several online retailers for purchases that an amount below the balance on the card. Online and in their information provided American Express says that you are able to use the gift card digitally and add to your digital wallet without issues but this has not been the case. The card had a balance of XXXX and I was only able to make 1 purchase after trying to use the card at several retailers for small purchase amounts. This was a purchase at XXXX for XXXX The balance as of Friday XX/XX/2023 at XXXX XXXX  PST is now {$480.00}. I was able to load my card on to XXXX and XXXX and XXXX XXXX, but they did not allow me to make retail purchases at all. They did place small holds of XXXX cents and XXXX cents on the card respectively. Additionally, it would not let me add my card to digital wallets on XXXX  or XXXX, in order to make one time purchases.