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

On XX/XX/ I received an email from Chase bank notifying me that they received an application for a Chase Freedom Unlimited Card in my name. I did not apply for this card. Since it was already evening I decided I would call in the morning to report the error. Unfortunately, Chase approved the application during the night. I called around XXXXXXXX  on XX/XX/ to report the fraud. Chase 's fraud department informed me that since the card was already approved I needed to call customer service. I then called customer service and closed the account before any charges could be made. Subsequently, Chase provided me with a letter confirming the account has been closed but they refused to include any information on the letter about the fact that the account was opened without my permission. Next I contacted XXXX and placed a freeze on my credit report. I also filed a dispute to have the account and inquiry removed from my credit report. XXXX completed their investigation but refused to remove the account without a letter from the CFPB. That is why I am filing this dispute.
Product: Credit reporting or other personal consumer reports

Im FILLING to you today to inform you I was the victim of identity theft. 

XXXX XXXX Balance Owed : {$2500.00} XXXX  XXXX Balance Owed : {$1900.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX XXXX Balance Owed : {$88.00} XXXX XXXX Balance Owed : {$590.00} XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX  XXXX Balance Owed : {$170.00} XXXX XXXX XXXX Balance Owed : {$330.00} XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX XXXX Balance Owed : {$700.00} XXXX OF XXXX XX/XX/2024
Product: Credit reporting or other personal consumer reports

I am writing to express my disappointment and frustration regarding the second attempt to remove the fraudulent items from my account. As you are aware, I previously lodged a complaint regarding unauthorized charges on my account, and despite assurances that the issue would be promptly resolved, the problem persists. 

I formally brought to your attention the unauthorized transactions that appeared on my account statement. Despite the initial assurances of resolution, the fraudulent items were not adequately addressed, and they continue to appear on subsequent statements. 

I understand that resolving such matters can be complex, but I am deeply dissatisfied with the lack of progress and the inconvenience this situation has caused me. Not only have I had to spend valuable time contacting your company to rectify this issue, but I have also incurred financial losses as a result of these unauthorized charges. 

I urge you to take immediate action to thoroughly investigate and resolve this matter. I expect a full refund of the fraudulent charges and a comprehensive review of your security protocols to prevent such occurrences in the future. Additionally, I request compensation for the time and inconvenience I have experienced due to this ongoing issue. 

Please provide me with a detailed plan of action and a timeline for resolution. I expect a prompt response to this complaint and assurance that appropriate measures are being taken to address the underlying issues causing these unauthorized transactions. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have dispute with XXXX and TransUnion multiple times the validity of the public record information they have been reporting For TX BKPT XXXX and TX BKPT XXXX. On XX/XX/21 I sent certified letter # XXXX XXXX XXXX XXXX XXXX ( USPS Tracking # ) to XXXX  and requested under FCRA 611 ( a ) ( 7 ) for a description of all validation methods for the above referenced public record information that is showing on my credit file. I have ONE bankruptcy and that is XXXX. I filed disputes with XXXX XXXX and as a result, they removed the information. The information shown in PACER is not mine. XXXX is reporting incorrect information about me. My phone # is tied to people who are not me! I sent the same request to TransUnions ( XXXX XXXX XXXX XXXX XXXX postal tracking # ) on XX/XX/21 and I have not gotten a response.
Product: Debt collection

I received a letter from Linebarger Goggan Blair & Sampson , LLP stating I owe {$450.00} due in 10 days, and if I do not respond an arrest warrant could be issued by a peace officer. 
I called the phone number on the letter XXXX and they said they did n't have any other information except it was a ticket from 2004 and I lived in XXXX, TX. I 've never lived in XXXX, TX therefore they have the wrong person. 
They said they did n't have any other information than that, and they will continue to try to collect the debt. 
I searched for citations online for City of XXXX, and XXXX County and could not find anything.
Product: Credit card

I had a credit card with capital one for many years. On XX/XX/XXXX paid off my total balance of XXXX and closed the acct. 
The last charge I had on the card was {$8.00} on XX/XX/XXXX. 
I got a bill in the mail for {$84.00}. I called capital one and asked what the charge was for and they called it residual interest. But couldnt quite explain why it was {$84.00} after I paid my balance in full. I dont understand how they can charge residual interest on an act that was paid in full and closed!
Product: Checking or savings account

Capital One is on day 3 of not processing Direct deposits. I have missed work, missed payments, unable to buy food. Account is negative due to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting agencies. This letter may be provided to the Consumer Financial Protection Bureau ( " CFPB '' ). The CFPB is authorized to investigate this matter and receive related information. If you fail to comply with this letter, I may turn this matter over to an attorney.
Product: Student loan

I called Navient on XXXX XX/XX/2021 to speak with them about a reduced payment for my private student XXXX loans. I am currently out of work except for XXXX XXXX work due to COVID. I have a XXXX  and an XXXX, so finding a full-time position is not easy. Companies are actively discriminating against older, experienced workers with high levels of education - and especially those, like me, with what are called " XXXX ''. 

I offered to pay Navient {$200.00} a month on my loans, but after speaking with several layers of supervisors they would not allow to me to pay {$200.00} ( until I find new employment ) and insisted that I sign forms to commit to paying {$440.00} each month for 6 months. 

Since I do not know when I will be able to find gainful employment, committing to such a payment right now may make me homeless. I do not have the resources to commit to that level of payment until I find a new position. 

Throughout the pandemic, Navient has been a complete pain while accruing high interest and insisting that I pay fees when I sign up for forbearance. Navient is a criminal evil company. 

For this complaint I am looking for the following actions : 1. I want Navient to stop torturing US citizens with their financial terms nonsense, especially during a pandemic when millions of Americans have lost jobs and when employee rights are being violated.

2. I want Navient to be forced to accept whatever payments I can afford until my employment situation stabilizes.

3. I want Navient removed from being able to offer student loans to US students. Navient is a criminal enterprise that has no empathy for people with XXXX or hardships.
Product: Credit reporting or other personal consumer reports

Recently, I did a investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report 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.

15 U.S Code 1681e ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or ify 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX This company purchased an overdue account, credit card, and changed the date of opening to the date they purchased it, Opened XX/XX/XXXX ( 3 yrs, 2 mos ). XXXX account went delinquent several years earlier ,XX/XX/XXXX, and would have been off my record in XX/XX/XXXX like other circumstances. This show up on XXXX XXXX as, You've paid off 0 % of your collection amount. 
Balance {$8400.00}
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed thad I had deferent late payment on an account that I was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accurancy I have never been late on payments for the XXXX XXXX XXXX XXXX XXXX XXXX PLEASE INVESTIGATE and provide proof with statement showing that these payment were late if proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER LATE THANKS
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing my current XXXX, XXXX and Equifax credit report and requesting a re-insertion of my auto loan XXXX XXXX XXXX. It was removed from all credit bureaus, therefore, my credit scores have been reporting inaccurate. This is a legitimate dispute, and I am hoping you can resolve this matter. Please reinsert XXXX XXXX XXXX back onto my credit report. Thank you.
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 Name : US DEPT ED Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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

Equifax lost all my personal information. They should n't be divulging my information without my consent. The shared my name, social security number, birth-date, addresses, and Drivers License number in the most recent security breach.
Product: Mortgage

I contacted Quicken Loans for information on refinancing my condominium. I was told by the agent when I contacted him that I would be able to refinance my condo for a rate of 3.625 % with no costs to me. I understood that to mean that I would not be paying for points on a loan, nor would be paying any closing costs at all. That was the way the loan was sold to me on the phone. Once I decided to apply immediately over the phone based on the information the agent told me, I was asked to provide my credit card information so that they could charge me a deposit that I would apparently get back after the loan documents were processed. I gladly gave my credit card information knowing that I would get my refund after my low rate loan/refinance had closed. Once I submitted all the documents they requested, and was charged {$500.00} deposit, I found out that I would be paying {$3900.00} in closing costs including paying points on a low interest loan ( information that was not disclosed to me initially when I signed up ). I even got an appraisal done since I had already paid {$500.00}. I had a huge problem with the misrepresentation of information of course, and called back to dispute the information I was provided. Quicken Loans refused to refund my deposit despite them misrepresenting themselves to me when I signed up for the loan/refinance. I was given a refund of {$4.00} yesterday XXXX/XXXX/16. Needless to say I am extremely displeased with the service I received from a supposedly reputable name to intentionally misinform me just to close a deal.
Product: Credit reporting or other personal consumer reports

XXXX, Equifaxes 's credit freeze product, does not allow users to use " two factor authentication, '' sometimes called " multifactor authentication '' ( 2FA or MFA, respectively ). 

Equifax sells an MFA product, so it is not unaware of the security benefit of this : XXXX XXXX XXXX XXXX and XXXX both allow 2FA/MFA either with email or text for their credit freeeze products. XXXX allows neither. 

Equifax does not respect consumer privacy or security as this basic security feature has existed in the industry for well over a decade and XXXX has failed to implement it. Without this option, consumers, including myself, are more liable to hacking and fraud.
Product: Debt collection

LOCKHART, MORRIS & MONTGOMERY are reporting to the credit bureaus a collection of {$2500.00}. I have no relationship or agreement with them or anybody that they represent. I requested for validation of this collection/debt and was never provided anything. If there is any contract, the contract is fraudulent. On top of that, on XX/XX/2022 XXXX XXXX a representative of the company released my personal information over the phone to another party. XXXX XXXX on XX/XX/2022 confirmed to me that there was no confirmation of identity before she released my information as he reviewed the recorded call.
Product: Student loan

I consolidated XXXX loans at different % from 1 to 6.8 %. The formula use to add all loans at different % is not to favor the borrower but the institutions. The % that I got is still to high at 6.12 % and cant make payments. They sold my loans to other institutions that I had at 1.5 % and gave it to me at 6.12 % in the consolidation? Is this fair? yes I read the fine print. I did not have to consolidate the lower % loans, but could not cover the monthly payment with so many loans. You tell me. How can we jump in XXXX giving fairness all the tactics that the lenders use to profit from the education that we seek.
Product: Debt collection

I did not authorize this {$2900.00} debt with this institution. I have filed and submitted documentation to the company at least 20 times, I knew nothing of the debt until it was charged off and I began to receive collection calls from the company. I notified each and every agent that called, that this account is not mine. 

I have been a victim of Identity theft for almost 10 years. Over the past 10 years people have gone as far as getting cars, apartments, credit cards, bank accounts and utility services in my name. I have filed many police reports and done FTC Affidavits, many of the reports were filed with the city and county in which the fraudulent accounts were opened.
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. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

The Extended Standard Repayment application produced by Navient dated XX/XX/XXXX was on an EXPIRED AND VOID FORM, which I DID NOT sign. I filed an identity theft case with the FTC because someone submitted this without my permission or consent. * Yet, Navient relies on this fraudulent document and claims I applied for Extended Standard Repayment in XX/XX/XXXX on an expired form that does not apply to FFELP loans, after already being in Extended Standard Repayment for years ( this makes absolutely no sense and only benefits Navient ). There was no change in payment plan, no disclosures provided applicable to FFELP loans when this alleged document was created, and frankly, no authorization to re-amortize my loans. 

*Notably, this fraudulent XX/XX/XXXX document was suddenly created after I had made an inquiry into my loans questioning payoff calculations. 

Interestingly, a 2nd fraudulent document ( ISR application ) was created in XX/XX/XXXX I did not apply for either, which is also mentioned in the Fraud Report. Navient admits to the ISR document being false/inapplicable, but not the XX/XX/XXXX Ext Repayment Form. See Navient 's XX/XX/XXXX response attached hereto.
Product: Mortgage

My mortgage loan servicer recently changed to Flagstar mortgage, I have submitted several request for mortgage assistance several times and received no response. I have called Flagstar Bank numerous times inquiring on status of my loan, each and every time I've called I'm told they can't find the documents that I have faxed. After I'm told they can't find the documents I'm very persistent with customer service and they finally say OH, I found your documents. Flagstar is not trying to assist me, I have been submitting documents documents since XX/XX/2021 and none of the customer service at Flag Star Is willing to assist me. I don't want to lose my house to a property foreclosure sale. Please assist me
Product: Checking or savings account

Wells Fargo closed my account due to someone depositing bad checks in my account wit no fault of my own.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : XXXX Block Request Experian Dear Director XXXX : I am writing to request your assistance in blocking certain adverse information from my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ), the Fair Credit Billing Act ( FCBA ), and the Debt Bondage Fair Credit Reporting Act, in conjunction with Regulation V XXXX XXXX Final Rule. As a XXXX XXXX XXXX, the financial abuse I endured during that time is the reason for the hardship reflected in these accounts. Despite informing the creditors and credit bureaus of my situation, disputing the information, and asserting my rights as a XXXX XXXX, they have ignored my circumstances and disregarded my rights, which is a significant violation.

I kindly request the following accounts and information be blocked from my credit report within four business days, pursuant to section 605C of the FCRA : 1. XXXX XXXX : see screenshot 2. XXXX XXXX XXXX XXXX : - Credit Card : see screenshot - XXXX XXXX XXXX  see screenshot 3. XXXX : see screenshot I will be attaching screenshots of each of these accounts and the associated adverse information for your reference. Additionally, there are two inquiries on my credit report that I request be addressed and blocked as well.

Please ensure that this information is promptly blocked from my credit report and provide notification of the actions taken. Enclosed with this letter are the necessary documents supporting my status as a XXXX XXXX XXXX and proof of identity for your review.

Thank you for your attention to this matter. Your assistance in resolving these issues is greatly appreciated. 

Sincerely, XXXX XXXX XXXX Enclosures : - Proof of identity - XXXX  documentation - Screenshots of adverse information and inquiries