23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX my debit card was stolen from my home along with my phone. A police report was filed with the City of XXXX, XXXX, NC police department. Report number XXXX. He was arrested and arrainged in XXXX County Court on XX/XX/XXXX. Withdrawels were made by the perpetrator and card was given to another individual who used the card and made debt card transactions. Both indivduals have been arrested and are locked up in the XXXX XXXX XXXX XXXX in XXXX NC. The second person was arrested and arrainged in XXXX County District Court on XX/XX/XXXX, File # XXXX. As of today, XX/XX/XXXX the bank has not returned any monies to my account and my account is {$1300.00} overdrawn. I have called and provide police records, details etc and the bank continues to not replace monies lost to this fraud that was commited against me. 
The Bank of America fraud team just continues to deny claim and not update any information to my case. Repeated phone calls inquiries to my claims just continue to be ignored. Please assist me in retrieving the XXXX that is due to me. 

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

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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

On XXXX XXXX ( Sunday ) my car breaks down due to mechanical failure. The car had to be towed to the XXXX dealership ; my car insurance paid for the XXXXow service. I then found out that I had to pay for a {$200.00} ( XX/XX/23 ) diagnostic test to find out what was the issue with the car, on XX/XX/23 it turned out to be the Power Transfer Unit on the car. This was very disappointing because I would be finished paying for my car loan in a few months. The replacement part and labor would cost approximately {$5000.00}. I did not have {$5000.00} for the repair, and I had to have the car towed to my house out of pocket towing fee for the towing service ; because I would have paid a storage charge if I had to leave the car at the dealership until could afford to have it repaired. I had to use the money allocated for my car payment to pay for all incurred expenses of having the car diagnosed and towed to my home. 
I contacted Capital One Auto Finance on XX/XX/1923 and explained my situation with my car and that the payment scheduled would not be available. The representative explained that Capital One Auto Finance had program that would help me catch on the payment without penalty and negative Credit Bureau reporting ; and we enroll me in that program ; the program consisted of a payment plan with automatic transfer of funds from my checking account on these dates : XXXX and XX/XX/23. 
On the XXXX XXXX I was reported on XXXX for Delinquent payment by Capital One Auto Finance account has having XXXX  Days late and a XXXX was deducted from my Credit Score. 
I contacted Capital One Auto Finance on XX/XX/23 and the representative could not explain why I was reported as late on XX/XX/23 ; all she kept telling me was the system said I was delinquent ; she then put me on hold waiting XXXX minutes for a supervisor to explain why I was delinquent ; she then apologized and said that there was no supervisor around to talk to me. On XX/XX/23 I contacted Capital One Auto Finance and spoke with another representative who tried to explain the reason why I was reported as delinquent, but she still could not give me a clear explanation that it would make sense in reporting my account as delinquent ; she transferred me to a supervisor. The supervisor said my loan was a Mature Loan and they extend my contract automatically because I had a high balance of {$900.00} on XX/XX/23 which is a lie regarding the balance ; and because I did not make a payment on XX/XX/23 on my regular payment date for my car loan on XX/XX/23 ; I was XXXX days late, so I was reported to the Credit Bureaus as delinquent. He then told me that my last payment for my car loan is {$410.00}, and I can pay it on XX/XX/XXXX or XX/XX/XXXX due the extension on my car loan without many negative reporting the Credit Bureaus.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name 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 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 XXXX XXXX XXXX XXXX XXXX I looked at my XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a .consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate of unverified information.

( A ) In general, after any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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

Made online purchase on with XXXX XXXX onXXXX XXXX for $ XXXX.Product not received .Attempted contact revealed company out of business. Initiated legitimate dispute with Barclays ( dispute # XXXX ) in late XXXX. To date have received no credit to my account, and no resolution.Several contacts wit Barclays dispute department have met with same unconcerned scripted replies of " still under investigation ''. Contacts advise I can not speak or Email the individual that is actually handling the dispute? Have noticed many social media posts from consumers who have experienced basically the same issues.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} There were unauthorized charged to My ATM Card by a company called XXXX XXXX XXXX XXXX XXXX XXXX. I didn't realize it until the XXXX of XXXX when I login to my account and saw my bank got wiped out. I called TD Bank to report the fraud and to stopped the card. They said that they will investigate and let me know what was going on. It has been XXXX days and TD Bank haven't respond. I called TD Bank several times and they just simply told me that they don't have an update for me. This is the first time something like this ever happens to me so I don't know what to do and TD Bank have been ignoring my situation I think.
Product: Student loan

Navient instructed us to place student loans in forbearance when my wife lost her job, knowing they would still be able to charge us interest on all the loans which amount to over $ 100K. They never informed us of other options, only instructed us that was the only option. 

They allowed this practice to take place of over a year, which only increased the amount that we now owe. This took place throughout XX/XX/XXXX and XX/XX/XXXX. When we were no longer able to place the loans on forbearance we were then instructed on income driver repayment plans which is convenient for Navient seeing as they charged interest on $ 100k+ for over a year at an average rate of 8 % -10 %. 

Fast forward to now, my wife is still out of a job due to childcare needs and we are in a income driven repayment plan that I more then we can handle, which was explained over the phone to Navient but they did n't care. Navient refused to take into account other student loans, medical bills and at the time a mortgage. We have since sold out house and moved in with family, a family of XXXX living in the basement of their parents. This could have been avoided if Navient were flexible and straightforward with our options. 

Navient is all over the news for this practice, we to have fallen victim to their practices of forced forbearance. Our credit scores have been affected as well because the ever changing practice of how the accept payments. After setting up a repayment plan Navient conveniently set up the payment date to take place AFTER the loans were due, proceeded to then charge late fees and report the late payments the credit agencies. 

I write this now as our repayment plan will need to be reevaluated this month with Navient, a process that I know will take weeks of constant phone calls only to find out that they do n't care about how we live our life, only how much money they can steal from us. 

I would like to be added to the open Navient law suits, my family is a prime example of the scams Navient has burdened its customers with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went to qualify for a home loan and to my surprise an old XXXX XXXX Account appeared - this was fine as I am aware, but it was reporting that I was late as of XX/XX/2023 ( last month ). The account was closed, marked as paid, and settled but it is still appearing. XXXX XXXX says the can make no representation on how the account appears and Im at a lost.
Product: Credit reporting or other personal consumer reports

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.

My information has been exposed in the data breach which seems to have resulted in the opening of multiple fraudulent accounts without my knowledge or consent. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, a credit card account opened by XXXX XXXX XX/XX/XXXX. And XXXX XXXX XXXX XXXX accts where the original creditor was Affirm opened on or around XX/XX/XXXX one has a balance of XXXX and another has a balance of {$920.00} and XXXX XXXX account opened on XX/XX/XXXX. There is also a collection account from XXXX XXXX, account number XXXX that does not belong to me. These accounts have resulted in several fraudulent accounts and collections appearing on my consumer XXXX credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or collections as reported. The aforementioned accounts, and collections inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and collections, are the result of identity theft and fraud. 

I have attached a copy of my identification, and my FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX  and XXXX  have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. In my research on how to remove fraudulent inquiries from my report, I discovered the necessity to visit the FEDERAL TRADE COMMISSION or https : XXXX to file an identity theft report. According to FCRA Section 605b, Credit Reporting Agencies are mandated to remove any items listed on an identity theft report. Attached are documents to facilitate the blocking of erroneous information currently posted on my report. The following inquiries, which do not belong to me or were opened without my permission, require your attention : EXPERIAN : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XX/XX/2023 XXXX : XXXX XX/XX/2023. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to block any information in the file of a consumer identified as resulting from alleged identity theft, not later than four business days after the date of receipt.
Product: Checking or savings account

For two months now, my debit card continually is denied despite availability of funds in my primary account. Wells Fargo has stated repeatedly that the issue is 'on their side ' and each and every call to customer care ( there have been 7 calls ) I am told they 'refresh the card ' and that the problem is fixed on their end -- except it is not. My card is rejected at point of sale, at ATM, and online. When I ask a business or service to 'please re-run the card ' -- 50 % of the time the transaction will go through. 
Wells Fargo finally sent me a replacement card and stated it would solve the problem -- it did n't. At first Wells Fargo stated that again, on their side, the card was refreshed and that I should n't have any problems. I even drove to an ATM with them on the phone to prove that the card would not work. 
I have filed a complaint with Wells Fargo but nothing get 's done. I have escalated. All they will do is tell me that they are 'doing what they can on their side ' but yet nothing is getting fixed. 
For 2 months now I have difficulty in getting MY money and using my card. Wells Fargo has failed to take my issue seriously or match my sense of urgency.
Product: Student loan

I was contacted by XXXX XXXX offering to complete my application for a loan forgiveness program I recently inquired about with Navient. They asked for my birthdate and social security number, then accessed my file to review payment plans I might qualify for. He offered a down payment of XXXX XXXX monthly for 4 months then a payment reduction of 50 % for 240 payments with a forgiveness of any remaining balance at that time. I spoke with Navient who advised this info. Was not correct.
Product: Credit card

Chime REFUSE TO GIVE ME MY MONEY {$180.00} to be exact. XXXX  RETURNED the funds to CHIME and chime REFUSE TO RETURN THE FUNDS back to me and I just don't understand why. Im NOT a Rich lady and I work Hard for my money. To feel like I've been ROBBED is not a good feeling.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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 166b " a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S.C 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS : Except as provided in paragraph, the term consumer report does not include -- ( a ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting or other personal consumer reports

Iam a victim of identity theft and the ( XXXX ) MAJOR CREDIT BUREAUS and reporting fraudulent information such as unknown addresses mix information on my credit reports like account opening dates as well as reporting dates this need to be fixed asap the FTC AND POLICE IS BEING UPLOADED TO THIS COMPLAINT.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit.Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I do not have a contract nor did l authorize this company to obtain my information, my rights to privacy was violated under the FDCPA & FCRA. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents and the company/agency failed to provide the requested document. I request immediate removal of this item, as it is incorrect and does not reflect my true credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and i am a consumer and disputed some accounts on my credit report that seemed to be inaccurate to me and after the investigation back from EQUIFAX there still are inaccurate reporting. EQUIFAX verified and updated my consumer profile inaccurate but they said everything is 100 % complete and accurate. I disagree with that so I DEMAND the description of investigation according to 15 USC 1681 ( 7 ). 

This account below is inaccurate from the... 
OPENED DATE ACCORDING TO CONTRACT FROM XXXX XXXX XX/XX/2021 EQUIFAX HAVE REPORTED XX/XX/2021 ( INACCURATE/FALSE REPORTING ACCORDING TO FCRA ) HIGHEST BALANCE ACCORDING TO CONTRACT FROM XXXX XXXX {$17000.00} EQUIFAX BALANCE HAVE REPORTED AS {$15000.00} ( INACCUARTE/FALSE REPORTING ACCORDING TO FCRA ) DEFICENCY BALANCE ACCORDING TO XXXX XXXX {$54.00} ( WHICH WAS ALSO REPORTED LAST MONTH ) EQUIFAX DEFICENCY BALANCE IS {$5000.00} ( INACCURATE/FALSE REPORTING ACCORDING TO FCRA ) Account name : # XXXX XXXX  # XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 16811 ( 5 ) ( A ) ( i ). 

Attached is all documents and reports regarding this dispute. 
Original dispute, Contract from XXXX XXXX, Updated Credit File with proof off false reporting and inaccuracies from EQUIFAX And Proof of identity
Product: Credit card

On XXXX XXXX I received an e-mail from Bank of America stating my credit card application had been approved. I then learned from my credit report that Bank of America had checked my credit on XX/XX/year>. I immediately called Bank of America and informed them that I had not applied for a credit card and this was a fraudulent account. They said they would close the account and mark it as fraud. I froze my credit on all credit reporting agencies, filed a complaint with the FTC. Notified XXXX  account that my credit had been fraudulently accessed. On XX/XX/year> Bank of America sent me a letter stating to complete the enclosed FACT ACT request form and required documentation and to send to their Claims Resolution Dept. All required documents and proof of ID were mailed to Bank of America on XX/XX/year>. Bank of America received the requested documents on XX/XX/year>. I have called numerous times to check on why I have not received records related to the application on this fraudulent credit card. On XXXX XXXX I was informed that they needed XXXX more weeks and I would receive the documents by XXXX XXXX. Today XX/XX/year> I called again and was told the documents have not been sent out, some of their systems are down and I could start a new application for the documents and it would take another 30 days, or I could call back tomorrow and see how it was going. 
I would like to also state that this account was only marked as closed and not fraud until I called numerous times. On one phone call, I was transferred 6 times to XXXX different departments that all said I needed to talk to someone else. Today, I spent XXXX minutes on this phone call to find out they still haven't sent the documents and was transferred once, so I talked with two different people. 

They can not explain to me how the person that applied for this credit card in my name almost immediatley was approved, but I have to wait months to find out who applied for the card or to get a copy of the application.
Product: Credit reporting, credit repair services, or other personal consumer reports

Entered into a forbearance around XXXXXXXX XXXX and agreed to due a deferral with first payment due XX/XX/XXXX. 

Made the XX/XX/XXXX payment EARLY on XX/XX/XXXX for {$1500.00} by phone to be applied to the XX/XX/XXXX payment. 

XXXX DID NOT UPDATE the website address for payment of XX/XX/XXXX, so I paid again, a second full mortgage payment on XX/XX/XXXX I paid twice because I was terrified I would be reported late, even though they received the payment on XX/XX/XXXX that was due XXXX. 

I learned on XX/XX/XXXX, my XXXX XXXX score had dropped from XXXX to XXXX because XXXX reported 60 days late in XXXX. They are reporting 60 days past due on ALL 3 CRA 's - XXXX, XXXX, and XXXX killing my credit and financially ruining me. I was in a forbearance program, called XXXX three or four time to ensure this would not happen and verified my first payment due was XX/XX/XXXX with the deferral program. Despite paying twice and being in a forbearance program, XXXX reported 60 days late twice for XXXX. 

I was rejected solar financing for a loan due to a XXXX XXXX XXXX. The solar loan would cost me $ XXXX instead of paying {$320.00} for electric bill. I am also in jeopardy of having my credit cards closed due to XXXX reporting 60 days late in XXXX. 

XXXX has ruined my credit and finances with their erroneous financial reporting to the CRA 's. They are also jeopardizing my finance with wrong statements made and requests asking me to make a XX/XX/XXXX payment they already received in XXXX. The next payment due should be XX/XX/XXXX, as they have received two payments since XXXX to XX/XX/XXXX, with the first payment due XX/XX/XXXX. 

Please help - forbearance under COVID was not to be reported late, yet XXXX reported 60 days late to each of the CRA 's, double billed me for the first payment due XXXX and has devastated my finances.
Product: Credit reporting or other personal consumer reports

I have not given consent nor did i authorize or benefit from the inquiries on my consumer report. 

FCRA 15 USC 1681n ( b ) Civil Liability for willful and non compliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.