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

For the past years someone is using my personal information to put inquiries on my account and countiously try to open accounts every time. I have filed a police report every time. I have tried contacting the companies. Some help and others give me the run around. This all happened when i was XXXX in 2014 and i had lost my backpack at school at the University of XXXX which had my new bank card along with all my personal information including my social secruity number which i had used that day to apply for financial aid. Ever since then i have had identy theft
Product: Checking or savings account

On XX/XX/2020 I used my Chase debit card to book a hotel room through XXXX. The hotel double charged me, so I disputed the claim with Chase Bank the very next day. Over a month later and after several phone calls, both charges posted to my account. My claim was denied even though I can prove without a doubt that the original payment went through. I saved my receipts. 

Today was the last straw when I called the Chase Bank customer service line, only to be hung up on when I tried to further dispute the second charge. The second charge caused me to overdraft my bank account unnecessarily yet Chase Bank does not care about my lost money. I have tried to remedy this situation through multiple phone calls to their claims department but there is no excuse for being hung up on so many times. This is unacceptable and they have left me no choice but to file this complaint in order to get back the money that was stolen from me. I have all my receipts for proof. This should have been an extremely easy process on their end.
Product: Credit card

I am disputing the collection account with BK OF AMER, account number XXXX dated XX/XX/year>, with a balance of {$0.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX XXXX XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Debt collection

Mandarich law group LLP. Ca debt collector license # XXXX has continued to issue letters stating I owe them a debt that started at XXXX. Now they sent me a copy they filed XXXX. Stating they are taking me to court that I now owe {$16000.00}. I disputed through XXXX XXXX but they state that the collection is mine. I asked for a proof to verify my debt and my signature to the debt to them that are in questioned. I do not know or ever have associated with this law firm now signed any agreement to a debt I allegedly owe them. Now they are going through the steps to try and garnish my alleged debt through my my employer. I need proof in paper and documents I signed stating I owe this debt. If not, I request this to be removed from my credit report immediately. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

All my accounts are paid in full 100 %. These are typos that these companies wont fix.The account is now under litigation the balance is incorrect and I need it removed from my credit report immediately.Remove all late payments for XX/XX/19 please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out that there is a XXXX XXXX account on my credit report in negative standing ; I found out about this account today XX/XX/20 when I got my credit ran to buy a new car. I did not qualify for the car loan due to this account that I never even opened. I did not allow anyone to open this or any other account in my name using my personal information and I have never opened any type of account with that company. I don't know much about this account but for now, I have done what I can in order to get this cleared up such as notifying the company reporting the account as well as filing a police report. I did not benefit anything from this account that was opened on my behalf nor did I ever contribute to any payments made towards it.
Product: Credit card or prepaid card

XX/XX/2019 To : Consumer Financial Protection Bureau XXXX XXXX  XXXX XXXX, IA XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX Re : Reference to complaint ID XXXX and XXXX Dear Sir or Madame, This is the third complaint about Navy Federal Credit Union in connection to my previous complaint ID XXXX and XXXX. I called Navy Federal Credit Union today, XX/XX/2019 at XXXX Pacific Time and spoke to XXXX , she advised that my dispute case has been closed and will not re-open. How could they close my case if the letter they send me previously stated that they need 60 days to work on my case? The reason the case was closed is because is because of the lime limit has reach and nothing they can do about it. 
This is ridiculous, I got scam from the merchant XXXX, they purposely sent me the wrong items and now my bank turn their back on me, not helping me to get my money back? 
I went to the XXXX store and turn the 4 crown cases to them. Below are the tracking numbers : 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 the XXXX, the merchant should receive their merchandise by Wednesday, XX/XX/2019. Im reaching out for your help to get my money back. Meanwhile, I will seek out for legal advice from my attorney if I cant get my money back. I cant believe that Navy Federal Credit Union closed my dispute case and did not try to help me at all. Should you have any question about my complaint, please contact me at : XXXX. 

Thank you for your time. 
XXXX XXXX XXXX.
Product: Checking or savings account

On XXXX XXXX I realized that my debit card with Netspend had been hacked and XXXX  XXXXwas withdrawn from my account. It looked like the hackers were using my card at different stores getting cash back or using ATMs but the only problem was my card was on my possession and I had not been to any of these stores. I immediately contacted Netspend and they advised me I would need to send an email to their fraud department with a list of the unauthorized transactions and someone would get back with me in 10 days. Well today XX/XX/2022 is the tenth day, I did not receive anything back from Netspend so I called them and was told by a representative that no error was found and the dispute was closed. The representative said they had not reached out to me because they had 10 more days to let me know of the decision. I stayed on the phone for over an hour with two different representatives to only be told there was nothing they could do, that they could not tell me how the money was taken or what they found in the investigation nor was I provided with their corporate offices number so that I could file a complaint or get more information. This is the worst experience I have ever had with a bank, I am out of {$710.00} with rent due in the next few days. What can I do to have the bank investigate this issue more deeply because I work too hard for my money and it not even be protected.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding unauthorized hard inquiries that have appeared on my credit report. I have recently reviewed my credit report and noticed several hard inquiries from companies listed below that I did not authorize. 

- Company : XXXX XXXX XXXX Date of Inquiry : XX/XX/year>. 
- Company : XXXX XXXX. Date of Inquiry : XX/XX/year>. 
- Company : XXXX XXXX XXXX. Date of XXXX : XX/XX/year>. 
- Company : XXXX XXXX. Date of XXXX : XX/XX/year>. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( Responsibilities of furnishers of information to consumer reporting agencies ) and 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ), I have the right to dispute any information that I believe is inaccurate or incomplete. Since these inquiries were made without my consent, I believe they are in violation of the law, and I request that they be removed from my credit report. 

I urge you to investigate this matter and take appropriate action to eliminate these inquiries. These unauthorized hard inquiries negatively impact my credit score, and I am concerned about their effect on my financial well-being. 

Please inform me of the steps you will take to rectify this situation. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this negative account that is now in collections since XX/XX/2017. I have contacted XXXX for the proof that the account is mines. I have disputed that the account isnt mine and i am a victim of identity thief. They keep replying to me and the credit agencies that the account is my responsibility and i owe the debt. I have requested paperwork that has my current information and signature. I have never received such paperwork. I have inquiries listed on my credit report that I didnt seek no credit from anyone. Someone is using my credit information to get accounts in my name.
Product: Credit reporting or other personal consumer reports

The account listed below is reported on my credit file and was found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
XXXX XXXX XXXX
Product: Mortgage

See attached correspondence from sps servicing. In their letter they claim to be committed to home retention and are here to help. Their correspondence not only falls short but could not be more hypocritical. SPS is in receipt of complete financial package since XX/XX/2021 and never review the account for loan modification, nor provided an acknowledgment letter despite the fact that we qualify for standard loan modification.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a loan that I never finished filling out as I thought it was a scam. I exited out of the website and the money appeared in my account 23 days later. The money was deposited in my account on XX/XX/year> {$750.00} in total. The first payment I made was {$31.00} on XX/XX/year>, the payments are scheduled every 2 weeks to pull from my bank account. The second payment that was pulled was {$190.00} on XX/XX/year>. The last few attempted payments were for {$25.00} each. When I called to ask why the payments changed, she said she cant give me a reason as to why the payments were different. When I asked why the payments changed she said thats how the payments work. She couldnt give me an exact amount. When I told her I have multiple lines of credit and this has never happened she told me that not all companies are the same and they all do things differently. My total loan amount was {$750.00} when I finally logged into the account she walked me through it says balance due is {$1200.00} with interest of 599.00 %. She also told me that the interest accumulates every day and the payments will never be the same amount.
Product: Credit card or prepaid card

Have tried multiple times to resolve this transaction with PayPal/Synchrony Bank and they do absolutely nothing. I must have submitted this dispute multiple times and they come back with some XXXX. response each and every time meant to send me on a wild goose chase. Purchased a flight in XXXX through XXXX  XXXX XXXX. Due to the pandemic, the flight was rescheduled multiple times. So per the contract of carriage, I cancelled and asked for a refund. I got the US XXXX involved in the dispute with the airline and after several back and forth attempts, the airline confirmed the refund back to PayPal for the original amount of the flight, {$780.00}. See item # XXXX attached. Attachment XXXX is the 3rd time that my dispute has come back from PayPal/Synchrony Bank and even with the airline saying they have refunded back the money, they will not credit my account. Please get this creditor to refund back the money that the merchant already confirmed they sent back. It is illegal for them to continue doing this as I already resolved this matter and I am due the money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed all three credit bureaus about this account reporting incomplete and inaccurate information on my credit report. Dates ( XXXX-18, and XXXX-18 ) and its still getting verified without any legitimate proof of verification. I would like this account removed it is hurting my credit, Im not sure how this account remains and it is not mines, I have provided my driver license and mail stating my address and name. Account number XXXX, also I have received repsonses saying verified or updated, meaning this account was being reported inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bureau is refusing to remove inquiries that were obtained without my permission, I have sent them numerous requests asking to remove them and they have not ; so I'm filing this complaint against them for unfair credit reporting XXXX XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX inquiry from  XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX   XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX inquiry from  XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX
Product: Checking or savings account

I wrote XXXX checks to pay for personal income tax. One to U.S. Treasury and one to XXXX XXXX XXXX. I mailed both checks to the respective institutions. Apparently, between the time the envelopes left my possession, they were stolen by someone and cashed at Chase Bank, the institution that I bank with. I received notice from the IRS that I still owed money in XXXX XXXX. The XXXX checks in question were written and cashed by Chase in XXXX XXXX. I filed a claim with Chase due to the fraudulent cashing of these XXXX checks. Chase has denied my claim because I did not report the claim within their policy of 60 days to report a claim from the date the check was written even though it was XXXX of their employees who cashed the government checks. Moreover, it is Chase policy to not cash checks written to businesses or non personal checks. This is being overlooked by Chase in my attempt to recover the stolen money from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

I demand that the following account be verified or removed immediately : 1. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/XXXX 2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 3.  Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 6. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit 7. Identity Theft XXXX  XXXX Account Number : XXXX Please remove it from my credit Identity Theft 8. XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
Identity Theft 10. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

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

To my disbelief, this afternoon I found several inaccurate accounts on my credit report, and I have no clue where they came from. I check my credit regularly, but this time there were random discrepancies. I even refreshed the page hoping it was just a browser issue, but nothing changed. The errors stayed, and now Im left feeling really uneasy. I need a complete review of the documents I submitted, so I can finally put this nightmare behind me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. Now it has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future.This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Going forward, Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Product: Money transfer, virtual currency, or money service

Venmo froze my account. It took me three weeks and multiple steps to rectify this. Once I was able to successfully unlock my account I not able To make any additional transactions I continue to get an ambiguous failure notice with no resold from customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus on XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 

XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1400.00} ; XXXX  XXXX Date opened : XXXX XXXX, XXXX Balance : {$330.00} ; XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1400.00} ; XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}.
Product: Student loan

I have two private loans with loan servicer, American Education Services. Their website is www.aessucces.org. 

My monthly payment is due on the XXXX of every month. Im currently past due {$460.00}. Right now, Im unemployed and there is no way that I can make these payments until I get a new job. 

I sent in a letter to be forwarded to the lender on XX/XX/2019, asking for additional forbearance or deferment since Ive apparently used up my other options according to AES. 

Ive called every day since Ive sent in the letter, but to no avail, its still under review. I dont see how reviewing a letter can take so much time. 

I want to resolve this issue as I have a co-signer on the loans and I dont want to impact them on the credit reports. 

However, Im stuck between a rock and a hard place because I have no way to pay back the loan currently. 

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

This is a second complaint to EQUIFAX. The first complaint, XXXX, was closed with a response that the inquiries had been deleted. They. have not. Here is the dialogue from the first complaint : I was the victim of ID theft due to recent data breaches. I have disputed these inquiries with Equifax to no avail, and they refuse to remove these. They violate federal law by not deleting these. I am filing a complaint with the FTC against this CRA as well. See the attached image for more detail Fraudulent inquiries are as follows : Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Here is the response from EQUIFAX to the first complaint : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Inquiry : XXXX XXXX XXXX  XXXX THIS FRAUD ACCOUNT/INQUIRY HAS BEEN DELETED. THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Inquiry : XXXX XXXX  THIS FRAUD ACCOUNT/INQUIRY HAS BEEN DELETED. THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Inquiry : XXXX THIS FRAUD ACCOUNT/INQUIRY HAS BEEN DELETED. THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Inquiry : XXXX XXXX XXXX  XXXX THIS FRAUD ACCOUNT/INQUIRY HAS BEEN DELETED. THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. NON REPORTING DISPUTES ID : Current Name THE DISPUTED ITEM IS CURRENTLY NOT REPORTING ON EQUIFAX CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally, you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com. 

The inquiries remain on my credit file. I have attached screenshots of the first response to the complain and the current EQUIFAX CREDIT FILE inquiries, from a pull date on today 's date, XX/XX/XXXX.