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

am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the account XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX, have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im trying to buy a house
Product: Debt collection

Went to XXXX to check credit card offers so I can get a card with intro rate of XXXX % for specific period as one card is coming to an end and I still have a {$600.00} plus bal. On my XXXX account it matched me to several credit card offers and I chose Capital One Savor One Cash Rewards card. I applied and created an account online. I tried to log into said account to expedite a balance transfer but was unable to log on to my newly created account. After several attempts online I called the Capital One number associated with the card ( XXXX ) XXXX. From there i had to enter my personal information and I found out that my account had been sold to a debt collector. XXXX  ' ; to which I was " transferred '' or would be transferred but I was asked for my social security number again. I did NOT enter it at that time and I hung up. My credit score is XXXX when I checked it after logging onto XXXX and it went down XXXX XXXX with the Capital one credit check. However this 'debt ' that I DO NOT HAVE i fear will disrupt my credit rating. I used to have an account with Capital One over a decade ago which was XXXX though a XXXX  back then. So I didn't think this sort of thing could happen when there is no real debt. This all happened today XXXX XX/XX/2023 around XXXX XXXX  so some of the info I had to provide through your site didn't quite match with the problem I am experiencing and don't know what will happen now. One minute I get approved for a card and then I can't log on to my brand new account and then I find my account had been sold to a debt collector when there shouldn't be any debt. This is where I am at. Can you help me.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 

Below are the accounts I am requesting to be reinvestigated : Balance.XXXX  Account Name : [ XXXX XXXX XXXX Account Number : [ XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continues to report on my credit report despite written requests, in violation of federal law. I dated the previous letter I sent to Transunion on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX
Product: Debt collection

Hello, we have been contacted by XXXX XXXX from Baxter Bailey & Associates out of XXXX, XXXX XXXX to be attorneys. Upon contact, they state they will file civil charges including defamation and harassment. When asking for paperwork for the client they represent, XXXX was unable to furnish proper paperwork confirming the legitimacy of their client. XXXX has on multiple occasions threatened legal suit and slander if we don't pay their client. However, their client breached our contract under " fraud '' for double brokering a load. XXXX has even spoken on behalf of their attorney XXXX XXXX, practicing out of TN and instructed us over the phone that XXXX had every right and authority to speak on behalf of their client and attorney without being barred himself. Baxter Bailey & Associates are representing fraudulent actors in motor carrier operations, threatening defamation and pretending to be attorneys.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX Account Number : XXXX Balance : {$100000.00} Dates of late : XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Balance : {$0.00} Dates of late : XXXX, XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$20000.00} Dates of late : XX/XX/XXXX, XX/XX/XXXX I do not recall being late in those months. I remember paying this off on time when I received my statements.
Product: Credit card or prepaid card

First of all, I am not a US citizen, I am from XXXX and living right now in the US, feel like I am being treated like a XXXX for this fact, which I can not change obviously. 
I don't know where I can complaint for inconvenience and inappropriate customer service that happened to be from two clothing brands but I will tackle one now for the credit card application. 
I have American eagle multiple branches in XXXX and I have purchaced multiple times from them whether in my country or here during my stay, during a purchase I was told I can apply for credit card as long as I have American Eagle in my country with my passport ID, so I missed the application on that day, on XX/XX/2020. I went for another branch and I was told it's ok to bring my passport and use it for the application to get 20 % off my prchase. I went homeback in the US to grab my ID and when I finally arrived after 180 minutes almost, guess what??? I was told sorry you need a social security number for this otherwise, application is denied. OH!! really??!! why I wasn't told this ealier instead of wasting time and effort and money for this XXXX. I am really disappointed for the attitude and rules of being a international customer with no rights or rewards because I don't have a social security number, I called the customer service the next day to speak about this, no one helped me actually and I was kept on hold for half an hour then finally someone answered saying sorry who are you calling then ended the call. I really wish I could have spent my money which is like above 500 dollars during the last month for a better customer service.I am attatching my last purchase receipts. Hope I am getting a reply. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 i was trying to get a loan and i realized i had damages on my credit that i did not authorize according to the 15 U.S.C 1681 law there should not be any damages on my report its a defamation to my character this is stopping me from getting a home for me and my children i have reached out to all agencys reporting this and they refuse to remove the fraudulent inquiries
Product: Mortgage

according my case # XXXX I requested forbearance : I am having a financial hardship due to COVID-19. I Requested a FHA COVID-19 Forbearance for my loan payments. 

Company says forbearance starts XX/XX/2021 til XX/XX/2021. My mortgage payment was not met for XX/XX/2021 due to covid-19 hardship. This forbearance did not include XX/XX/2021. 

I am receiving 5 months of forbearance initially. I am needing additional 6 months of forbearance to include XX/XX/2021. I am requesting this assistance from this mortgage servicer by XX/XX/2021, according to the HUD website https : //www.hud.gov/coronavirus/homeowners # : ~ : text=For % 20more % 20help % 2C % 20contact % 20a % 20HUD-approved % 20housing % 20counseling, can % 20temporarily % 20stop % 20making % 20payments % 20without % 20any % 20penalty.
Product: Prepaid card

I was mailed a prepaid card from a company called netspend. It 's hard to parse through all the information provided, but they have sent me a full XXXX debit card with my name on it and a valid card number, I have not applied for credit, opened an account, or had any dealings with this company. 

I believe this is a deceptive technique designed to confuse consumers and trick them into opening accounts with netspend so that they can charge people their ridiculous fees.
Product: Credit reporting or other personal consumer reports

Had an inquiry on my credit report at Transunion that I didn't authorized. I'm not familiar with " XXXX ''. This inquiry was made on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

My chexsystem report was suppose to be fixed after my bankruptcy and I am still getting denied for bank accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  needs to delete and remove this fraudulent account from my Equifax credit report immediately. Your company failed to provide proof that my rights have not been violated.
Product: Vehicle loan or lease

I returned a leased car 10 months XX/XX/XXXX or XX/XX/XXXX to BMW Financial Services. Now they are billing me for XXXX Massachusetts excise tax. Despite knowing the lease was long over, they automatically paid the tax and claim it's my responsibility to fix it. 

On the Mass. RMV site it clearly states the party named on the registration has to cancel the plates. I was able to verify on the RMV website that the plates were not active. 

BMW Financial Services should be punished.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows : XXXX XXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXXXXXX  Balance {$590.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXXXXXX Balance {$100.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the fraudulent items have been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer USA is still breaking the law. No issues have been resolved with the prior response to them of their fraudulent act toward me. They do not want to cooperate with the federal law or my rights.
Product: Debt collection

We are experiencing a national pandemic. I am out of work, yet this company decided to put this derogatory bill on my credit. The bill is {$290.00}. I spoke with someone about 2 weeks ago who said they would work with me. I lost my job which I told them I was NOT working but wanted to see if I could appeal the amount with my health insurance company. but two weeks later they put this on my credit to damage my credit. Do they NOT see where are experiencing a pandemic and there is a lot going on. How can they do this???? I want this removed from my credit.
Product: Credit reporting or other personal consumer reports

The account was paid in full and it is still being reported to the credit bureau as owing the full amount and being delinquent. i disputed the information with each credit bureau and all 3 came back as accurate despite me providing court documents and letters from the mortgage company stating the loan was paid in full.
Product: Checking or savings account

i am writing to formally file a complaint tegarding multiple overdraft fees applied to my account. these fees were assessed despite having sufficient funds available at the time the transactions were authorized. However due to the delayed posting of charges and credits was i unfairly charged over draft fees. this issue appears consistent with decent findings of the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these transactions are deceptive and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a letter from the IRS stating my identity may have been compromised. My name is XXXX XXXX and I was XXXX yrs old at the time and a college student. My mom & I sat down as I returned from college and pulled my credit report. Discovered after pulling the Free Annual Credit Report that another person, XXXX XXXX  XXXX, and a car loan & credit card that were not mine were on my credit report. It should be noted it was only on XXXX. We contacted XXXX & Wells Fargo bank to report the fraudulent accounts. They did confirm it was my SS # on file but with someone elses name, DOB, and address. We filled out fraud forms, send police report number, and copies of credit reports. On XX/XX/XXXX & XX/XX/XXXX I received letters from both Wells Fargo & XXXX stating it was discovered to be identity theft and they would have the 3 credit bureaus remove from my credit file. I also placed a freeze on my credit files. 

On XX/XX/XXXX I received a few voicemails from SS office stating my identity may have been compromised yet again. I pulled credit reports again and was shocked to see XXXX  is reporting my file as XXXX XXXX XXXX, his DOB, Addresses, XXXX XXXX is running inquiries ( I dont have ), Wells Fargo credit card is showing closed as of XX/XX/XXXX, last payment XX/XX/XXXX, shows consumer disputes, and last reported XX/XX/XXXX. None of this is mine and was to be removed. 

This person is clearly using my SS # according to XXXX & Wells Fargo. XXXX did their job and removed it for Fraud. Wells Fargo has not. How did a large national bank such as Wells Fargo allow someone to open a credit card in my name without the proper verification. Clearly the other persons name and DOB ( XX/XX/XXXX ) does not match my SS #. Where is the verification on that? They allowed someone to use falsified documents and did not follow verification procedures. I am only XXXX yrs old and have been a victim of identity theft by 2 large companies. Please help me with getting this resolved so myself and others never have this happen again.
Product: Mortgage

I submitted a previous complaint on XX/XX/18 stating all the previous information : Complaint # XXXX about SPECIALIZED LOAN SERVICING LLC. 

I have asked since XXXX for a postponement to get the review and assistance from the Mortgage company and to work with XXXX XXXX XXXX XXXX. They have been not giving answers and keep saying they can not postpone the foreclosure. This is a false statement according to New Jersey Statute NJSA 2A:17-36. Adjournments of sale of real estate.

NJSA 2A:17-36. Adjournments of sale of real estate provides that a sheriff or other officer selling real estate by virtue of an execution may make two adjournments of the sale, and no more, to any time, not exceeding 14 calendar days for each adjournment. However, a court of competent jurisdiction may, for cause, order further adjournments.

In New Jersey, a Sheriffs sale of a foreclosure property can be adjourned ( fancy for postponed ) twice by the Sheriff at the request of the homeowner for any reason. Each of these adjournment shall be for not more than 14 days. The lender may request an adjournment as many times as it wants without reason. Once the two free adjournments have been exhausted, the homeowner may apply to the Court by Motion for further adjournments provided good cause has been shown to the Court.

For assistance in obtaining an adjournment of a sheriffs sale of a foreclosure home, contact your local Sheriff department or a qualified NJ foreclosure lawyer in New Jersey.

I wanted them to postpone to review my file to see that I can make the mortgage payments and we can come to a solution for the back payments owed. 

I need for them to postpone as I never received documentation on a foreclosure fromt he Sheriffs office and I had the Urban League not do anything in XXXX and this is why I am beyond the 37 days.
Product: Credit reporting, credit repair services, 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

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

This complaint is in response to XXXX I mentioned the company is violating 15 USC 1681a ( d ) ( 3 ) which is the violation I was making aware in the FCRA NOT the FDCPA. I believe the company misread the complaint. The FDCPA is covered in 15 USC 1692-1692p. The FCRA is covered in 15 USC 1681-1681x.
Product: Credit reporting or other personal consumer reports

I want all accounts to report as we're agreed by compliants active members All accounts .just have a chain of title confirming they are mine double checked and verified by parties or sources unkown will not be recognized. 
All companies who are reporting in accurate information to hurt my credit will be prosecuted, fined and taken to court for unauthorized, considered stolen or frauded info will be held accountable This message has been sent to President Trump and The FBI. 
Remove all in accurate loans, credit cards on this account at once you have 30 days.
Product: Prepaid card

On XXXX I purchased a service from XXXX XXXX to unlock my XXXX. From the XXXX reviews and advertising on their website they stated they can unlock your phone with XXXX. I purchased the service for {$26.00}. They email me and say now I qualify for the full unlocking of the phone for {$89.00} when it never said it was additional charges. I paid the charges anyway to get the phone unlocked. Days after purchase you see the circle grid filling up to say its almost done. It gets all the way up to XXXX  % and has been there since XXXX. I have reached out to mobile unlocked and still no reply. They say they have a 30 day contract with whom ever unlocks their phones. I waited the full 30 days. The phone is still not unlocked at this current time. I provided screenshots of all this to Chime XXXX. They have a lengthy process which I do not agree with. I have been waiting for this merchant for over a month. Now Chimes lengthy process is making this be even a more disaster of a purchase. I express my disappointment and frustration with the process and wanted to see if Chime could expedite my dispute to solve since it was proof and time on my side the merchant never delivered. I even wrote an email to XXXX XXXX XXXX to say this process was very frustrating and could their be anything done in my favor. The next morning I have an email saying my dispute is closed and Chine see anything wrong. So they sided with they merchant who stole {$110.00} for your consumer and thats ok!? After going back and forth with some of their workers who cant seem to understand why I would be frustrated I am now constantly being emailed by Chime and threatened with strikes on my account, account closure, and words of getting law enforcement involved as to say Im threatening them!!! In what manner? I have not made not one threat to no one during my frustrations. I only stated their is legal actions against companies displaying this type of behavior. Something must be done for the consumer to not be bullied by a company this way. To threaten me with law enforcement when Im a hard working father trying to get his money back from a thief merchant.
Product: Debt collection

Good morning, I have previously submitted the dispute for deletion of collection account from my credit report, please review your decision and delete this collection from my credit report. Initial dispute message : Good morning my name is XXXX XXXX, and I was the victim of identity theft back in XXXX, yesterday I started seeing a collection account from XXXX on my credit report, and i want this account to be investigated and deleted. The most important thing is that I have not been living in United States since XXXX ( proof attached ), please delete it from my report Sequium Asset Solutions , LLC response : Good Day Mr. XXXX, please be advised that I have thoroughly reviewed your written complaint. Sequium Asset Solutions , LLC is a collection agency representing XXXX XXXX XXXX XXXX in association with a collection claim on account number XXXX. XXXX XXXX is listed as the responsible party and all communication from our office has been regards to the account. As of XX/XX/XXXX, the account has been recalled by our client. Since we do not own the debt and the account has been returned to our client, a deletion request has been processed to have our account deleted from your credit file with the three major credit reporting agencies ( XXXX, XXXX  and XXXX ). Please note, the time varies by credit reporting agencies to complete the deletion request. There will be no further communication from our office regarding the account. On behalf of Sequium Asset Solutions , LLC I want to apologize for any inconvenience that this may have caused you. Thank you, XXXX XXXX, Corporate Compliance Officer, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit report and found that the credit bureau consistently reports accounts with inaccurate information. The Fair Credit Reporting Act has clearly been violated in this case. I've already spoken with them about this matter, but I haven't heard back from them to this point. Please correct this immediately. 
XXXX XXXXXXXX Balance : {$2600.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}