23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My identity was stolen in XXXX and XXXX. I contacted upon discovering that online purchases had been made, but not by me or with my consent. The XXXX XXXXXXXX stated that there was nothing that they could do to help me. I called consumer reporting agencies also known as the credit bureaus. I was passed around from agent to agent. No resolution was reached. The fraudulent accounts were eventually removed from my reports. However, upon attempting to purchase a home. I discovered that accounts have reappeared on my consumer reports. I need this information removed permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are misinformation that you guys keep on reporting to my credit report. I am tired and sick of it. I've contact you guys multiple times about the same issue and no change.
Product: Checking or savings account

On XX/XX/ I opened up an account with XXXX by Goldman Sachs. After transferring {$1600.00} from my bank account into the savings account, they randomly closed my account and said that I must call them to have it reopened. After having MULTIPLE calls with different customer service people, finally they concluded that they can't open my account and that all they can do, is close my account. One person prior to this even said that they would send me papers in the mail so I can have my account reopened, but 2 months passed and they never did, even though they said it would take 7 business days... So I decided I really don't have a choice but to close my account. They said that If I call back in 2-3 business days, we can TALK about having a check mailed to me. My account has been closed since XX/XX/XXXX and they still have yet to give me my money back. I'm so frustrated with this company and it feels like my money was simply stolen from me. Please help
Product: Credit reporting or other personal consumer reports

I have 16 inquiries on my transunion credit report I have disputed them but they are still on the report. Someone had my credit pulled 16 times in 30 days
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 Bureau 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. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Payday loan, title loan, or personal loan

I am XXXX years old. Last XXXX, 2018, I purchased a XXXX XXXX and at the suggestion of my XXXX  I financed the purchase through XXXX. I made every payment of {$380.00} on time for 11 months. The last payment of {$380.00}, according to XXXX, was received seven days late. I recall that I received the invoice late that month and therefore my payment was mailed later than usual during that month. In addition, the specified due date was earlier than usual, which seems designed to deceive or fool people who have been paying according to the same schedule for the prior 11 months. Nevertheless, I did pay in full and the payment was not more than a week late. All payments were made to a XXXX XXXX in XXXX XXXX Texas that appears to belong to Comenity Bank. 

I received a subsequent statement indicating a late fee of {$780.00} for the few days delay, a penalty somewhat more than twice the size of the monthly payment and more than 15 % of the overall amount I paid during the 12 months. To the best of my recollection I never received any disclosure that there would be late charges and even if I did, I believe this is egregious and I am being taken advantage of due to my age. 

I attempted to resolve this with XXXX with no success and therefore am filing this complaint and seeking your assistance to resolve directly with the financial institution that is preying on elders. I am attaching a copy of the last statement I received showing the charge. There is fine print on the back regarding late fees, but it is not prominently disclosed, nor is the interest percentage mentioned. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020
Product: Credit reporting or other personal consumer reports

I ask companies XXXX in store XX/XX/year> if my existing card was active because i haven't used it in a while, Customer Service never stated the they would have to run my credit to find out. I'm also having the say issue with Cap ONE NA. Because of those 2 Hard Inquiries on my credit, it stopped me from buying a home for my children and I. Also the dates on my credit report are not accurate.
Product: Mortgage

In late XX/XX/XXXX, BofA notified my wife and that no mortgage payments for XXXX or XXXX of that year were made. They were made by our bank and BofA did something with the funds that were never credited so with no notice to us, they foreclosed. 
We did not know this until mid XX/XX/XXXX when attorney 's began flooding our mailbox to represent us in foreclosure. 
To further disgust us, a third party investigator discovered that a XXXX law firm they hired to handle court proceedings, purposely changed the FHA loan into a conventional violating every rule possible. 
We were never notified by anyone on anything regarding the loan changes or transfers. 
There is a document uploaded for your review on this.
Product: Mortgage

I am being wrongfully foreclosed on by Ocwen. They agreed to a short sale on XXXX/XXXX/2015 but OCWEN sent me the notice of trustee sale without giving me a notice of default. My Realtor XXXX XXXX XXXX has submitted several offers that OCWEN has not bothered to fully examine before declining nor they have not performed an interior BPO on the home to establish the value. They refuse to postpone the trustee sale which is scheduled on XXXX/XXXX/2015 even though I have no where to go, they have also refused to give me a moving incentive because they stated that I did not qualify BUT they never stated why I did not qualify.
Product: Credit card

I got a phishing email fake lowes and I fell for it. It was just pay shipping and u win free tool box. Immediately after I sent credit card info, I knew it was scam. googled it and it was. So, i contated my credit Card Ally. Told them what happend. They said dont worry we gon na stop account so nobody can charge and send out a new card. I had no access to account until I got new card and activated it. I saw that balance was higher than i expected and looked at statement. There were two identical fraud charges for XXXX, the exact same charge amount I warned them about, and it not only pended, it went onto new account. There solution was file fraud charge and MAYBE in three billing cycles the amount could be corrected? I said the fraud charges came in after I told customer service and they said account was closed. So, they can file fraud but in meantime credit my account for those charges. They did not put any alert on account? They said no charges could go on, but apparently they did. I had one charge for XXXX two days prior that was denied, so I had no worry that hackers would be able to use. I just wanted to pay the Correct balance on my bill but cant get the correct balance for three months? I told them not to send me out new card, just close account. I just dont think its fair that I gave them warning ahead of time and they still let charges go thru? Never had that happen before. they dropped the ball and want me to just wait or pay, when I want the balance at XXXX. The supervisor was NO help and shouldnt be in customer contact.
Product: Credit reporting or other personal consumer reports

My credit report is showing that my XXXX XXXX account was charged off in XXXX of XXXX when in fact it was charged off in XXXX of XXXX. I have verified with XXXX XXXX that the account was charged off in XXXX of XXXX so I don't know why it is showing up that way.
Product: Credit reporting, credit repair services, or other personal consumer reports

So in XX/XX/XXXX my car was total in a hit and run accident. After notifying my insurance company, they notified my lender Santander Consumer USA. In which the total loss payout process started. XXXX paid over {$9000.00} and then gap was suppose to cover the difference. Fast Forward to XXXX XXXX Gap finally send out the payment to lender. At this point we have been getting called about missed payment and how where 60day past due on a car that was total. Before the accident my wife and I never missed a payment even paid early even after covid shut us down and I lost my job. I reach out to my lender to learn what going with our account, I found out that there was a remaining balance and I paid it even without having a job. I was told that they would back date everything but the only thing they backdate was the gap payment and still reported the late payment even after I paid. I called the lender first to try to resolve the issue being that we had amazing payment history with them and they told me it nothing they can do even in a state of emergency with Covid and thing being truly out of my hand but I made it my business to fulfill my end of my agreement with my lender by seeing the loan to completion. I have called my lender over 40 time from XX/XX/XXXX to XX/XX/XXXX and no resolution.
Product: Credit card

Complaint is with Chase Credit Card Balance Transfer Offer. Please see attached document
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, To whom it may concern someone fraudulently applied for a credit card in my name. They never were able to verify my identity so there was no account open. However I had an unknown hard inquiry on my XXXX report from Citi Bank NA Best Buy on XX/XX/XXXX which brought my credit score down through no fault of mine, which was flawless prior to this. I tried to dispute it online the next day but wasn't successful. Next I called XXXX and explained the whole situation to the representative. He informed me that I would only be able to get it removed with a hand written cover letter explaining the situation and some documents ( social security card, two forms of personal ID, bank statement, Federal Trade Commisioner report ). As requested I mailed them right away and called them to find out, was informed this can take up to 2 weeks for them to recieve. I checked again in 2 and even 3 weeks but they still claimed that they never received it. They asked me to resend it or fax it so I went to my local bank and asked them to fax it for me as I do not own a fax machine. Then they said they received it but are still unable to remove the inquiry due to some issue which they didn't explain very clearly why. I have then tried to call Best Buy credit services and spoke to the representative, he claimed that he understood the situation but then after putting me on hold for 40 minutes I had another credit inquiry from the same company on XX/XX/XXXX. When I asked him why that is he said not to worry and that both inquiries will be removed however they are both still there to this day and my score is down even more. I went to my local Citi Bank and explained the situation to the banker on premises. He sat with me for 4 hours trying to call every department and also had no luck achieving anything despite this being his profession. I think this situation is absolutely crazy and extremely unfair to me that I spent the last 4 months calling countless amounts of times, being on hold, repeatedly mailing papers that they claim they don't recieve on the other end and explaining the same situation over and over to people who don't even seem to try to understand what I'm saying and as a result just want to either transfer me to someone else or hang up faster. I really hope Consumer Financial Protection Bureau can step in and help me with what seems to be an endless problem for no wrongdoing on my end. I even received a letter from Best Buy credit services saying that I am a victim of fraud which I mailed to XXXX but they also seemed to ignore it. I will attach it here as well.
Product: Credit reporting or other personal consumer reports

I strongly disagree with the response to your investigation. Despite your investigation, the incorrect items listed below still remain on my credit report. I request that these items be immediately re-investigated due to valid reasons. These inaccuracies have a significant negative impact on my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the information with the company. They maintain that it is mine and should remain reporting on my credit report. EOS CCA Account XXXX XXXX. The date it was open was XX/XX/XXXX. I was not living in the United States and it is impossible for me to have opened this account. I lived abroad in the XXXX XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. The balance on the account is {$1000.00}.
Product: Credit reporting or other personal consumer reports

As per the guidance from the consumer financial protection bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim ofXX/XX/XXXX of debt bondage and would like for all listed accounts to be blocked and deleted..company information TRANSUNION,XX/XX/XXXX
Product: Debt collection

CREDIT MANAGEMENT debt practices have notified me, for accounts collections. 
I contacted the XXXX major Credit bureaus, and Credit Management with an ID Theft Report proving to them that I was the victim of Identity Theft. I was overseas in XXXX when the account was opened. 
I have not received any financial gain from the above account. 
The entities named above validated the debt as his, yet they did not provide any documentation legally linking me to the accounts. 
The problem with their validation is : 1. The accounts are linked to an address that I have never resided at. 
2. The number one way companies validate an account is through a signature neither of the entities above have done so. 
3. My information along with others in his XXXX had been stolen I am sure they are very aware of the Fair Credit Reporting Act ( " FCRA '' ) and Federal Debt Collection Practices Act ( " FDCPA '' ) laws against " re-aging time barred accounts '', and the laws on " debt duplication ''. Their continued demand for money from our client is in violation of FDCP statutes 806 Harassment or abuse 807 False or misleading representations 808 Unfair practices 809 Validation of debts Therefore I request that you contact them demanding they validate these accounts. If they can not according to the FCRA, a block and or deletion of the accounts must take effect. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section -- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. 

In the meantime they must cease and desist all debt collection practices. 
In the event Credit Management or the bureaus makes the " work-shy '' claim that the request for the block according to 605b was made in error they must properly and due diligently validated the accounts.
Product: Debt collection

I am in receipt of a copy of my credit report reflecting invalid debt that I do not owe.I am for certain that I do not owe your company any money. For starters, I have never done business with you. In fact, I had never heard of your company until having received a copy of my credit report.What I find strange is your attempt to settle the debt with me when I don't owe you any money in the first place! Why would I settle on something I don't even know?! Again, I don't owe you any money! With all of that being said, please see this complaint as me disputing this alleged debt with your company as well as requesting debt validation with the signed COA.Thirty days is more than enough time for you to send CFPB and myself a response with legal supporting documents bearing that I've done some type of business with you, hence owing you money. Furthermore, State of Florida requires all collection agencies to be licensed and bonded in our state to collect on any debt you say I owe your company.
Product: Money transfer, virtual currency, or money service

I use Zelle and send money. Was unable to get it back. The number or previous name for Zelle was changed and Zelle did not honor it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I h

ave 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 informat
ion 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I pulled my credit history because I was trying to get a car and saw this company on my report and I want it removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit line tied to a checking account at Banco Popular de Puerto Rico to at times cover overdrafts. I had used aprox. {$3600.00} of credit which required a minimum monthly payment of {$60.00}. At the time of the payment, end of XX/XX/2022, I was impacted by XXXX XXXX because I live in XXXX, XXXX XXXX, Florida, location that received a direct impact from the Hurricane. The impact affected my ability to secure the payment on time nonetheless, the payment was made a few days later after the funds cleared on my account. The Bank automatically withdrew the payment from my account. After multiple attempts at requesting that the missed payment be categorized as impacted by the hurricane to avoid any adverse effects on my credits, the Bank did not make any changes. The Bank refused without making an explanation, their unresponsiveness and inaction was their action. Because of the Bank 's inaction and unresponsiveness after multiple attempts later, I asked that all my accounts be closed including the credit line. I made sure that all the accounts were in good standing before closing. A few months later, the Bank and XXXX reported the credit line account as being cancelled by the credit grantor. This is incorrect and is affecting my credit score. The correct remark is that the account was closed by the consumer and not cancelled by the credit grantor. After multiple attempts at correcting directly with the Bank and XXXX without producing the correction, I'm left with no other alternative at this point than to submit this complaint. I had the account for over 14 years without having an issue like this. The way it was handled by Banco Popular is contrary to their values of being inspired by most wholesome and basic banking principles. Accurate reporting is a basic banking principle. XXXX has the obligation to accurately report as well. Multiple investigations have not yielded to what is needed in this case, accurate reporting.
Product: Mortgage

In XXXX I filed a complaint with CFPB ( XXXX ). The reply from SPS referenced 3 loan modifications between XXXX and XXXX with accrued Interest exceeding {$310000.00}. When I asked why this was not included in my mortgage interest, I was told it would not be reported until the mortgage was paid. The mortgage was paid in full in XXXX including the ridiculous accrued interest Charges. Now they tell me it was not actually interest. The computer I had the response saved on was stolen about 3 years ago, and I do not have a copy of their reply to you. Can I get a copy?
Product: Checking or savings account

My account was closed on XX/XX/23 with my federal tax refund in it and they have asked for multiple paper work and have not had a solution they all work through email and the agents are not XXXX to give me a clear answer about my funds because they only have access to bit of information and they cant know whats going on Ive gotten emails saying I wont be getting my funds that they closed my account with no refund the bank is CHIME.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting inquired inquires on my report
Product: Checking or savings account

ON XXXX 2024 I WAS VICTIM OF IDENTITY THEFT SOMEONE OPEN A CHECKING ACCOUNT IN MY NAME. I DIDNT REALIZE UNTIL REQUEST FOR MY CHEXSYSTEM REORT.