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

My capital  case number is XXXX I applied for the COVID 19 conomie injury disaster loan and thank God I was approved because I was eligible. I am an XXXX and XXXX XXXX  I have a 1099 IRS form. After approval of my loan the funds were deposited in my capital one account but it is been 2 weeks now that capital one has frozen my account and put a hold on my funds. The reason why I applied for the loan is because I was deeply impacted by the COVID 19, I will have to start my first loan payment within 24 months and I will have to pay for the next 30 years. I am now doing security job which is ruining my health because I am not healthy enough to stand up 10 hours a day and unfortunately I have to do it because because otherwise I will not have money for my bills. The reason why I am doing security is because I can not afford to rent a car to do XXXX and XXXX again because rent is so high now and drivers have to pay XXXX $ weekly. I was depending on the loan to buy a new car and get back to driving XXXX which I can do the best. I really want you to get involved so that capital one release my funds right away
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} Charged off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} Late/Open Late Late 120 Days Inquiries : XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Agreed to remove it off my credit report and its still on there Bank of America {$500.00} collection already paid in full
Product: Debt collection

Notice this collection on my credit report saying that they couldnt locate owner of debt. Inaccurate information. Never received any knowledge of account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres been many letters sent out every month for the entire year including last year it was regarding name and credit error, I have every certified tracking information to prove that even if decided to now sue for creation of damages since am unable to purchase a place to live during this pandemic which nobody seems to give a XXXX  ( yes, now i'm being transparent, tired of the XXXX ) cause the one am disputing with not going through what am experiencing with my credit report, then you'd understand. 

ADDRESSED : XXXX been asked several times to remove the current name being reported which is not my name, EVEN sent in my social security card all year around. Lets be XXXX clear I'm a XXXX XXXX NOT A XXXX RESIDENT , lets get this XXXX  together. USE THE SOCIAL SECURITY CARD PROVIDED TO CORRECT the INFO and HAVE THIS TRANSFERRED TO THE SENIOR MANAGER if no one knows how to do the job correctly and IMMEDIATELY TO BETTER MY LIVING SITUATION. Speed up the investigation process under 15 days, waited long enough to have the XXXX XXXXorrected. 

ADDRESSED : TRANSUNION I've also asked you to remove the incorrect addresses, employment, inaccurate XXXX XXXX XXXX account OFF MY CREDIT REPORT all year around also just like Experian did delete the inaccurate information listed as stated, make sure this is a speeded process under 15 days ADDRESSED : XXXX  once again for the 11th time, correct the late payments on the XXXX XXXX XXXX, ASAP I've never been late on neither one of my accounts even during the pandemic fix these errors now
Product: Student loan

I have been making consistent payments of more than {$600.00} each month for the past 9 months. I have proof of each payment. Despite this, the loan servicer continues to report to the credit bureaus that I have not made a payment. However I have made a payment every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, a mortgage loan officer who was pulling my credit report for a mortgage refinance from my bank informed me that there was an overdue credit line showing up on my credit report. I promptly pulled my credit reports and noted on the XXXX Report that there was a Citizens One Line of Credit that showed as opened on XXXX and was noted as 120 days past due ( as of Date Reported XXXX ) for the amount of {$490.00}. As I had not ever had or opened an account with Citizens One Bank, I reported this identity theft issue to my identity theft insurance carrier, XXXX XXXX. They assigned a restoration specialist ( XXXX XXXX ) with XXXX who has been attempting to assist me in contacting Citizens Bank/Citizen One Bank to report this identity theft. Both myself and my restoration specialist have been unable to make contact with anyone in Citizens One/Citizens Bank 's fraud division for almost 2 months as EVERY time we attempt to call the number provided for the fraud department, we receive a voice mail message informing us " Thank you for calling Citizens ID Theft hotline, due to increased volumes, we are unable to answer your call. '' The restoration specialist I am working with connected me with the bank 's customer service line but b/c this account is now old/likely charged off, they were unable to assist and were also unable to transfer us to the fraud department. In addition, my restoration specialist provided me with an email address of a department within Citizens Bank who he had had working with another of his clients who had an open case with Citizens Bank  : XXXX. He suggested that I send an email requesting assistance in reporting identity theft : I emailed that address on XXXX and never received a response. I would really appreciate someone from Citizens One/Citizens Bank being able to handle a report of identity theft so that I can have this fraudulent credit line expunged from my credit report. There is absolutely no excuse for someone to not be able to report id theft to a bank but Citizen 's Bank is really working hard to make that impossible. 
After doing internet searches on issues with Citizens One Bank/Citizens Bank XXXX I believe that someone opened an XXXX XXXX XXXX All Access account using my social security number and it appears that the only way you can open one of those accounts is through applying for a credit line through Citizens One Bank through various retailers- there is no traceability in this type of purchase. I highly suspect that this type of arrangement with XXXX and Citizens One Bank will exacerbate id theft going forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. CARMAX XXXX XXXX Inquiry : XXXX XXXX, 2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Student loan

navient wont change borrower to co signer happened when sallie Mae was the loaner they denied request also papers were filed electronically and the names were put in the wrong place daughter XXXX was to be borrower and me the father XXXX was to be co signer but companies refused to change it because money was sent to college I want to retire in a year from fire dept and dont want my name on this loan that should have been in my daughters name how hard can it be to change it she has been making the payments herself since grad school but they have consistently refused to alter the paperwork!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following accounts and inquiries from my credit report. These items are fraudulent and resulted from a data breach. I did not authorize these accounts or inquiries, and they should be removed under 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVI - XXXX XXXX XXXX XXXX XXXX XXXX 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 credit reporting information was improperly shared without my consent by Equifax due to a technological oversight which lead to perpetrators being granted access to credit data. This includes my social security number, date of birth, home address, credit card numbers, and social security numbers. 

Not only was my information improperly shared, the fact that it had been shared was concealed for over one month.
Product: Mortgage

In XXXX I was approved for a modification from Ocwen Loan servicing on my mortgage. I filled out the documentation and faxed it off. They said they never received it and told me I had to start all over in the modification process. For the next 3 years I made appointments with relationship managers, submitted documentation over and over and over again. Each time I would be denied but never told why. In XXXX I applied to a program called Making Homes Affordable that the State of Oregon and OHSI ( Oregon Homeownership Stabilization Program ) offered and got approved. They would help me catch up my mortgage and Ocwen would not send them the total dollar amount needed to catch up the arrears. Ocwen literally played games with both myself and OHSI. By this time I was very close to going over the {$40000.00} limit this program allowed. This drug on into XXXX, I went over the XXXX and Ocwen wouldn't return OHSI 's phone calls, emails etc. Ocwen then sold out to PHH Mortgage/newrez and I have spent the last two years trying to get somewhere with them. I make appointments with relationship managers who have to call me at a time that works for them. Several times I would not get the call or I would get disconnected. The few times I did get to talk to one they offered no answers, no help, just fill out another application and resubmit. The last time I called I got passed around for 45 minutes to different departments and then hung up on. I have documentation going back all the way to XXXX Letters, applications, income documentation, notices stating they need more documentation or the documentation is expired and I have to resubmit, etc. I was told recently I was denied because its more then 90 days past due. It was more then 90 days past due when they purchased the mortgage from Ocwen. They are burring me in my home and for the last 7 years I have tried to get this fixed. XXXX XXXX from OHSI has been helping me since XXXX trying to get this fixed and he also has gotten the runaround. I am now at an accelerated amount of {$280000.00} with the principal balance interest bearing {$140000.00}. I can not get any help, they said they don't have any program to help me because i am 90 days past due. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquires on my Equifax report that I have no clue where they came from. I have dispieted this information with Equifax over 4 months and no result. I recently submitted and FTC because I do not have any other options when I am lost on these inquires. They have violated my rights to privacy and fairly considering my report during their investigation. 

15 U.S.C 1681 section 602 A. state 's I have a right to privacy 15 U.S.C. 1681 section 604 A. section 2 also states a consumer reporting agency can not furnish my account without written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692B not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt I did not give anybody written instructions. 

Every account on my FTC report is a HARD INQUIRY that I did not authorize
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I discovered several inaccurate collection accounts on my credit report. These entries were reported without proper validation or accuracy, violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2. Despite contacting the relevant companies and providing documentation, these errors remain unresolved. 

Collection Accounts : Under 15 U.S.C. 1681s-2, furnishers of information to consumer reporting agencies must report accurate information. The following collection accounts are being inaccurately reported and should be removed : XXXX. XXXX XXXX XXXX Account Number : XXXX Balance : {$430.00} Status : Collection/Chargeoff Date Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX Account Number : XXXX Balance : {$6500.00} Status : Collection ( previously late payment ) Date Reported : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Balance : {$7300.00} Status : Collection ( previously late payment ) Date Reported : XX/XX/XXXX XXXX. XXXX Account Number : XXXX Balance : {$0.00} Status : Collection ( previously late payment ) Date Reported : XX/XX/XXXX These accounts have been incorrectly reported, causing harm to my credit score and financial standing. I request an immediate investigation and removal of these accounts from my credit report, as mandated by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been made aware of an item on my report that has caused several instances of inconvenience and denial of financial services. I was completely unaware of this issue until just recently when i tried to cash a check and was denied at several places. 
I have attached documents showing the report in question. I am not claiming fraud, as the account listed was mine, and was closed by me with the understanding that the account was closed and all was fine. 
The report on my social security number is listed as ACCOUNT ABUSE. What in the world does that mean? I had a account, i closed the account. I never received any notice of any outstanding debt from U.S. bank, or even a collection agency for that matter. If i would have, I would have paid whatever was owed. 
This mark on my report is very unnerving to me.
Product: Credit reporting or other personal consumer reports

i have request document from these company over and over and nothing never provided at all
Product: Vehicle loan or lease

I received an Auto Loan from Navy Federal and refinanced my debt with XXXX XXXX. I was instructed to ask XXXX XXXX to forward title. XXXX XXXX informed me that they sent the information. Navy Federal is now saying that although they have the title they need a release of XXXX. I received a letter that they have increased my payment doubling the interest rate and will revert back XXXX  days. XXXX XXXX has indicated a release of lien must be requested from Navy Federal. After a call with both institutions the forms are to be forwarded in XXXX days. A Navy Federal supervisor XXXX was so nasty to me. She said this is our policy and it will not be changed. I made every effort to get the information they are not responsive to members. I have a CD with Navy in excess of the car loan. There is no way to talk to anyone in leadership. They continue to treat minorities inappropriately. We were told Navy Federal would have the lien recorded and take {$20.00} from our account to accomplish Certificate of Title secured by Navy Federal.
Product: Credit card or prepaid card

I have purchased prepaid cards from XXXX Visa. ( XXXX ) I have contacted XXXX by phone at XXXX and have faxed disputes to XXXX, twice each. 
Twice purchased and twice the card numbers have been hacked and balance of card has been used for unauthorized internet purchases. 

Card # 1 balance of {$150.00} was used for unauthorized purchases to XXXX XXXX  on XX/XX/19 {$67.00} XXXX XXXX on XX/XX/19 - 2 transactions, {$57.00} and {$32.00} Card # 2 balance of {$130.00} was used for unauthorized purchases to XXXX  XXXX  XX/XX/19 {$130.00} after reading XXXX complaints on this company, there are many other victims to XXXX prepaid cards. It is my idea that XXXX has inside hackers and I want their cards pulled off the shelves until they get their security under control. 

My Status : two weeks plus since first reported unauthorized use of cards. XXXX   keeps saying '' we havent '' received the dispute documents. 

I took it upon myself to call vendors that hacker used. XXXX XXXX on XX/XX/19 was able to return the {$67.00} to my card. However, XXXX has put a hold on the card ( which had also a {$.00} balance left on it ) until " they receive dispute documents ''. 

not happy with XXXX and will not be using ever again.
Product: Debt collection

I am writing this complaint on behalf of myself, XXXX XXXX, a natural person with no assistance from third parties. Macys/Department Stores National Bank has transferred a debt to a third party debt collector. I have tried to contact both parties via phone and mail to speak about this dispute. I have documentation to provide that can explain the current state of bankruptcy and how this debt must be discharged. This complaint is to have a direct contact from Macys/Department Stores National Bank reach out to me.
Product: Vehicle loan or lease

I need help paying my car loan for several months before I find a new job. My family is in financial crisis. This car shouldn't be worth that much, but because I need a vehicle to get around, I bought it regardless. I accept to pay the seller for XXXX in XXXX but this car is XXXX. While my friend bought it for XXXX last years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent on XX/XX/2020. The 30 Day demand to comply was sent on XX/XX/2020.
Product: Checking or savings account

I was trying to open an account with SoFI bank. I got through the whole application process, but at the end they requested a second verification of my phone number. This verification was through XXXX, which they failed to mention, leading to multiple verification requests to the wrong phone number. 

When I finally learned that this was through XXXX, I updated the phone number on that account. After the updated phone number, I continuously received a message stating " You have submitted too many requests ''. So after hours of contact with support, I am left with nothing but a complete waste of time.
Product: Credit card or prepaid card

XXXX closed account on XX/XX/2022 due to a {$40.00} returned payment. This payment was re-tried after the account was closed, and successfully debited but the creditor refuses to change the account status. Creditor stated an earlier returned payment from XX/XX/2022, a period in which I was changing bank accounts. This payment was promptly corrected, for a different amount, as was the {$40.00} amount cited in the letter sent by a " corporate specialist '', which cited an obscure clause of terms of services that I have never seen in any documentation provided by the company. The same person cited a clause about " default '' when referring to " returned payments ''. These two are not the same things. I have never default on this or any credit account and never have I missed a payment. Reported behavior to the XXXX XXXX XXXX and will spread the word about their predatory business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to say thank you Consumer Financial Protection Bureau and thank you for your help in protecting consumers against fraudulent acts of companies. I recently reviewed my credit profile and .... 
I would like to inform you of violations of the FCRA that this company has commited. This company has violated statute 15 USC 1681a ( 2 ) ( B ) of the exclusion section of consumer reports for the account number XXXX To remind this company of this law I have included it here.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Let me also remind this company of the definition of " credit card '' that's defined under the Truth in Lending Act 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

I did in fact receive a credit card from this company to obtain money on credit. This company provided me this credit card, I was approved and this company provided me directly an extension of credit that originated from me, the original creditor that's defined under the Truth in Lending Act ( TILA ), which also makes this company a creditor. This information that this company is reporting on my credit profile must be excluded and they must delete their tradeline immediately. 

I have attached a description of the tradeline that should be excluded from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I received my free Experian credit report there was a charge-off in the amount of {$210.00}. from XXXX. I immediately filed a dispute w/ Experian as I had no knowledge of this account and certainly had not opened it. Three weeks later I received a reply stating the information had been verified as accurate. That is to say the account was really mine. When they " investigated '' obviously they took the word of credit-grantor w/o question. Had they bothered to do the most cursory investigation they would have found the address the creditor had used was over 400 mi. away from my current address and one I had not lived at for 15 yrs! Of course, it was impossible to speak to a real person at Experian as all the phone numbers were endless loops of voice prompts.