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

In XXXX, 2022, I notified XXXX XXXX XXXX by phone of a error/fraudulent charge on my XXXX card ending in XXXX. I was told at the time that XXXX had cancelled the card and they would issue a new card. I would only be responsible for the valid charges. Immediately, XXXX cancelled my on-line access to the card, so I had no way to determine if any other fraudulent charges had occurred. About 3 weeks later, I received a new card ( XXXX ) but had no access to it. I subsequently got a notice that I was late on the payment of the card and it listed an amount that did not seem reasonable. In XXXX, I called into the XXXX call center. I remained on hold for approximately 30 minutes and when the line was picked up, the representative could not delineate the source of the charges. I still had no access to my accounts as neither card appeared on my login screen. In XX/XX/2022, I received further collection notices from XXXX and an independent collection agency. I also received a notice from XXXX that my XXXX score was decimated. They had dropped it from XXXX down to XXXX in just two months. I called XXXX to complain and I was told that there were now two late charges. After discussing the matter at length, I was told that a supervisor had approved both late charges to be removed. I visited a XXXX branch and was informed of the charges on the credit card - Including one additional fraudulent charge for {$100.00} and the 2 XXXX late charges were still on the card. The local branch gave me access to the account and I paid off the full amount - less the late fees that were to be removed. I contacted the vendor that had billed me the {$100.00}. They admitted the error and sent me a check, since the card they had used was now closed. I continued to receive late notices on the late fees from XXXX. I called again and was sent to the " Escalation Department ''. This should be called the De-escalation Department. They have done nothing to resolve my issue and have needlessly delayed all efforts to get this matter resolved. I have called them many times. They always say they will return calls within 24-48 hours and NEVER meet those commitments. The sad state of this matter and the purpose of this complaint is that I did the right thing by reporting a fraudulent charge according to the XXXX XXXX system. For that, I have had my XXXX score wrecked and wasted countless hours on the phone and in the branch, explaining and re-explaining my problem to no avail or attempted resolution on the part of XXXX.
Product: Money transfer, virtual currency, or money service

I would like to trace all Money Gram payments for the tenants located on XXXX XXXX XXXX, XXXX, VA XXXX since XXXX-XXXX-2017. Please reverse all payments of the property via money order as a direct debit to my XXXX XXXX Bank account, routing account number XXXX, XXXX.
Product: Debt collection

XXXX is reporting that a company by the name of Common Wealth Financial Date Reported : XX/XX/XXXXOriginal Creditor Name COMMONWEALTH FINANCIAL Balance Date XX/XX/XXXX Date Assigned XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Original Amount Owed {$430.00} Account Number XXXX XXXX Amount {$430.00} Creditor Classification Medical or Health Care Status Date XX/XX/XXXX Last Payment Date Status UNPAID Date of First Delinquency XX/XX/XXXX Comments Medical I do not owe the above company any money for medical bills.
Product: Student loan

I have defaulted on my private student loans. I owe XXXX dollars to navient. I have got into a program to pay on my loan. I have been in the program for over 6 months. I was looking at my credit report to determine if I can go about getting financial backing for a loan. All of my loans are charged off. I understand this happens in default but I believed if I made consistent agreed upon payments on my loan that it would reflect on my credit that I was trying to work with my creditors. I called navient today and tried to see what are my options. They informed me that the only way to change what is on my report is settling for XXXX or paying my loans off with them. I am currently trying to fix my credit and move into the next phase in my life. These student loans are a nightmare that never ends. I know it is my fault for letting them default in the first place but I could not afford them when I got out of school and when I finally got steady work and was able to get into a program that I could afford, the loans were already defaulted. And because of my private student loans I do not get the benefits of the federal student loans. I am at the mercy of my lender. I would not mind settling with navient however I would have to do it in payment arrangements over time. I really just want the debt of student loans to end as soon as possible. I want to be able to buy a house in the next five years.
Product: Credit reporting

I am a XXXX veteran. I have been give student loan forgiveness. All Loans were supposed to be rolled into XXXX and then discharged. I disputed this with the XXXX. Upon checking my credit report today I noticed that instead of the company placing a dispute on the original account. They just created another identical account and added the dispute to that account, leaving now XXXX accounts on my report.
Product: Payday loan, title loan, or personal loan

I have an account with Klarna, and with whom I have active loans. However, I attempted to user existing credit to make a purchase but Klarna decline me for the following reasons : " After carefully reviewing your request, we weren't able to approve this purchase because we couldn't verify the personal details you provided. Please check that your details are correct before trying to use Klarna again. '' XXXX - this lacks specificity, what information was suddenly unverifiable? 
XXXX - this is a farce! They declined me because I refused to link my bank account through a third party. I should not have to provide my bank account information, and I shouldn't have to agree to preauthorized XXXX to get a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score just ranked XXXX points because your company erroneously reported this XXXX charge off as an open active collection. This XXXX was totaled in a car crash in XXXX I have just apply to relocate out of state and if your erroneous reporting on my credit file is the reason I get denied I will hold you company civilly liable. If you do not know what that means I will file a lawsuit against your company for falsely reporting a closed account as active that resulted in my relocation housing and employment denial. I will sue for all my moving cost, deposit loss, flight cost for my whole family, punitive damages and more if you do not correct your reporting from open active collection to closed in 24hours
Product: Student loan

I have been trying to access and pay on my account for over a month. Every time I try, the system says info is bad and tells me to call. I call them and I get passed around between customer service reps and placed back in queue multiple times because they claim their system is not working. This has been going on for far too long. And there has been no wider communication from Nelnet about system failures.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank XXXX XXXX XXXX XXXXXXXX ) alerted me that I have been a victim of identity theft. I ran my credit report through XXXX and found multiple soft credit checks from a company I did not recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Dates checked : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Checking or savings account

In XX/XX/XXXX, I opened a savings account at Bank of America and personally deposited {$18000.00}. However, in XX/XX/XXXX, I discovered that my identity had been stolen. A lawyer and advisor from XXXX advised me to notify all my banks and credit card companies, which I did immediately. 

In XX/XX/XXXX, BOFA informed me that my account had been closed and my funds had been frozen. Despite my repeated attempts to resolve the issue with the bank, and retrieve my funds, I have been unable to do so. The bank has provided me with misleading information, and no one from the branch or the claims/fraud department has taken responsibility for the issue. 

On XX/XX/XXXX, I visited a Bank of America branch and provided two forms of ID, as requested. However, they asked me to call the fraud/claims department on XX/XX/XXXX. ( 5 days later ). When I did, they asked me to call back again on XX/XX/XXXX. This back and forth has been going on for almost a month and nobody can give me an update on my case. This has caused me significant stress and frustration, as I have been unable to access tmy funds which I deposited.
Product: Student loan

Dear CFPB, I have learned about the recent lawsuit against Navient. They have been my loan servicer. I have been paying on my student loans for years and the principal has barely gone down. It seems that all payments go to interest. I do n't know what information you need, but I 'm very interested in joining in this suit if I am eligible, or restructuring my loan so more of the payment goes towards the balance. I am XXXX yrs old, and still paying my student loans off. Thanks so much for your time.
Product: Mortgage

I was two months behind on my mortgage payments. I was able to get extra money and I made payments to try to get my account current. I made a payment in XXXX of this year for XXXX. I made a payment on XX/XX/XXXX for XXXX and another payment on XX/XX/XXXX for XXXX. This should have brought my account current and satisfied any late payments. I was away for work and called in to make my payment for XXXX and was told that this payment would be for XXXX because the payment in XXXX was returned due to non-sufficient funds. This was a shock to me because I know for a fact the account was funded and the money came out, but more over, nothing was returned to my account. I have been going back and forth with this company for over a month now and there has been no resolution. When I got back from my work trip, I called in again and spoke with another rep, who is supposed to be my account manager and the one I need to contact for any and all things associated with this issue. I then get a letter stating that my account will be transferred to a nee servicing company on XX/XX/XXXX. My question to the rep is " How will I be able to contact you if my loan is being transferred? '' I was told that I will get her direct number. The number I received from her I have called numerous times and it always states that she is unavailable and to speak to another rep. Again, this has gone on for more than a month now. I submitted a screenshot of my online banking showing that the payments came out and they told me that this was not an acceptable form of documentation. I was then told to submit a bank statement showing only those payments to the company, I did that and was again told that this is not an acceptable form of documentation. Lastly, I was told that I needed to submit a rolling statement for the months of XXXX and XXXX, I did that and have not heard back from the company since. I have called the account manager, emailed as well as left messages and no call back, no email and not even an automated response stating the email has been received. At this point, I am at my wits end because it has been reported to the new servicer that I am two months behind as well as reporting this to credit bureaus. When I called the new servicer, I come to find out that it is a debt collection company. My final push was to reach out the the VA rep that I worked with through my initial process in finding a home and closing. I was told that they have no experience with the previous servicer, Plaza Home Mortgage, but has a great relationship with the new servicer, XXXX XXXX. I even got a document from their site showing that the payment was made, but they still show that I owe money. This to sum it up has been a very stressful and discouraging situation that no Veteran or anyone should have to get through. I am here to share this story because who knows who else has been through something similar or IS going through this right now. PLAZA HOME MORTGAGE needs to be stopped. If you look them up on the XXXX XXXX XXXX, they have similar complaints and are not accredited company on there. Please Assist!
Product: Credit reporting or other personal consumer reports

These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted Equifax and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I am requesting that you remove the following items off ofm y Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX, IN XXXX Balance : {$890.00XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$74.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX Balance : {$50.00} XXXX XXXXXXXX XX/XX/XXXX XXXX CARD XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX. In accordance with the Fair Credit Reporting Act section 605b, I am requesting that you please remove the fraudulent accounts and information off of my Credit File.
Product: Checking or savings account

On XX/XX/2021, My XXXX benefits were stolen from my Bank Of America prepaid debit card. I am a victim of identity theft. My personal information was taken without my knowledge to activate and use a debit card sent to me by Bank Of America, which held my unemployment benefits. 

I applied for XXXX and was unaware that I had been approved due to not recieving any notification of deposits. My bank card, other mail and personal information was stolen from my mailbox and used to activate my XXXX benefits. My XXXX benefits were stolen. I recieved tax information about the stolen benefits. After extensive research, I learned that my XXXX benefits were approved. I reported the issue to XXXX and I was told to contact Bank Of America. After contacting Bank Of America I was advised to file a claim. I filed one claim with Bank Of America and the claim was split into two claims. One claim was for {$320.00} and the other claim was for XXXX. Bank Of America denied the larger claim of XXXX but approved the smaller claim of {$320.00} and returned those funds to my account. I am currently appealing the denied decision as I am responsible for the XXXX that I did not recieve nor did I authorized anyone eles to use.
Product: Credit reporting or other personal consumer reports

In early XXXX of this year, I reviewed my credit and noticed a delinquent account that does not belong to me. I filed a police report the same day for fraud and impersonation and contacted Sunset Finance of XXXX the next day and spoke with the manager, XXXX who advised me to come in to complete a fraud affidavit. He asked for personal information over the phone which I didnt feel comfortable providing as Ive never done business with this company and was very alarmed as to how they obtained my information to begin with. I went to Sunset Finance and completed the Fraud Affidavit certifying that the account they have on record does not belong to me. The manager showed me a copy of a check which was somehow digitally deposited into a XXXXXXXX XXXX account but was completely blank on the back without any endorsements. The manager told me the matter should be resolved in about 14 days and removed from my credit. Ive waited that time and called the manager again and even went back there to be told it will take about 30 days in total. This is unacceptable, as my credit has been drastically affected, my mail and identity compromised and I want a thorough investigation of these companies, Sunset Finance of XXXX and XXXX so that this doesnt happen to me or anyone else again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am in the process of buying a new home. I just pulled my credit report and discovered that someone has been using my name and personal information to open up accounts and do do business in my name. The following addresses are not mine below I need them deleted immediately! XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX  XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  - XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX I am in the process of filing a full FTC ID theft report as soon as I get the rest of my reports. My name is XXXX XXXX XXXX, please remove any other variations of my name. My current employer is XXXX please remove any other employer. My Current and only address is XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX I have already attached the proper documentation for proof of my ID and address.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( C.D.Cal. XXXX XXXX ), you XXXX be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information for XXXX XXXX XXXX XXXX. 

Reporting on TransUnion # XXXX {$500.00} Status Date/XX/XX/XXXX No Last Date of Activity Reporting on XXXX XXXX/XXXX   Investors # XXXX {$500.00} Status Date XX/XX/XXXX No Last Date of Activity Reporting on XXXX XXXX XXXX # XXXX {$500.00} Status Date XX/XX/XXXX and reporting as a Charge-off with a balance. 
No Last Date of Activity Per the FCRA 611 this is information must be accurate and consist across all bureaus. 

Please Delete ASAP.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX TX XXXX Equifax XXXX XXXX XXXX XXXX GA XXXX Re : Dispute of Charge Off Account # [ XXXX, XXXX ) Dear Sir/Madam, I am writing to dispute the charge off listed on my credit report for the above-referenced account ( XXXX XXXX XXXX  date opened : XX/XX/XXXX, XXXX XXXX XXXX XXXX  date of opened :XXXX ). I believe this information is inaccurate, incomplete, or unverifiable, and I request an investigation under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i.

Under 15 U.S. Code 1681i, I have the right to dispute any information that I believe is incorrect. You are required to investigate this charge off and verify its accuracy, including compliance with Metro 2 standards for reporting. Metro 2 guidelines outline strict formatting and reporting requirements to ensure consistency and accuracy. If this account does not meet the Metro 2 compliance standards, or if it can not be verified, it must be corrected or deleted from my credit report.

Furthermore, under 15 U.S. Code 1681s-2, the creditor ( or furnisher ) of this information is legally required to report only accurate and up-to-date information to the credit bureaus. If they fail to provide proper documentation to validate this charge off or meet Metro 2 requirements, the entry must be promptly removed. 

Please treat this dispute with urgency and provide me with verification within the legally mandated 30-day time frame. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX