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

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : 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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I paid my debt in full to Delta Management Associates , Inc . they were representing XXXX XXXX XXXX. Account was settled XX/XX/year>. A while later it was removed from my credit report. Now it has re appeared.
Product: Credit reporting or other personal consumer reports

Please see attachment. In addition I am not able to access my report for their websites.
Product: Credit card or prepaid card

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX-XX/XX/2016.
Product: Credit card

Background : Barclays JetBlue credit card typically sends convenience checks over the mail. I never used any of these checks and discard them right away. 

On XX/XX/year>, I got a notification that a {$4000.00} convenience check was charged on my Barclays JetBlue card. I immediately contacted Barclays support about the situation hoping that they would cancel the pending transaction because it was not me. The representative said they can not cancel this charge, but they will raise an investigation case for fraud. I was informed that this process will take not more than 2 billing cycles and I will receive a mail as confirmation I did not receive this mail. After this call, I immediately froze my credit card. 

I called again on XX/XX/year> asking for updates since the transaction has posted and I have not heard anything from Barclays. The representative wasnt able to find my first case and filed a new investigation case. They said my account would be credited for {$4000.00} in 2-3 business days but my balance is still there and collecting interest as of today ( XX/XX/year> ). On the same call, I also asked them to also stop sending me convenience checks. A few days later, I received a letter informing me that a fraud investigation is underway. 

It has been more than 2 billing cycles since I filed the first case and still have not gotten any updates or resolution from Barclays. I contacted them while the charge was still pending and they decided not to take action. 

I have paid the minimum for the credit card bill to avoid a late payment on my record. First payment was {$49.00} and second payment was {$51.00}
Product: Mortgage

Hello. My name is XXXX XXXX. I was going through a trial modification package through guaranteed rate and loan solution center.com. They offered me a flex mod plan of 3 payments at {$3100.00} for XXXX, XXXX, then XXXX. If I made these payments by the last day of the month my mortgage would turn into a 40 year mortgage at 4.75 % I sent the following but got no response : I just got notice that my loan is changing numbers and servicing addresses. How does this affect my modification trial? I want to send in my 2nd payment that is due by the end of XXXX but am unsure where to send it so I do not default. I am also trying XXXX for assistance. When I log into the new website it is telling me I am basically in foreclosure, but I was previously offered the flex modification plan. 

Info I was sent two weeks ago Original Loan # : XXXX Property : XXXX XXXX XXXX XXXX XXXX, IL XXXX When will this change occur? XX/XX/2022 How does this affect me? 

You have a new Loan Number : XXXX The payment address is changing : New Payment Address XXXX XXXX XXXX XXXX, GA XXXX Online Payments XXXX
Product: Credit reporting or other personal consumer reports

It has come to my attention that OPP LOANS are illegally reporting nonpublic private information on my consumer report. I have made them aware of this problem and also filed the appropriate FTC report in regard to the information being reported. This information is required by law to be blocked within 4 days of this notice or else a lawsuit will be filed
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 an automatic payment of {$500.00} came out of my Chase account and was applied to a paid off car loan to a XXXX XXXX XXXX. The XXXX issued a refund of the {$500.00} due to the car loan being paid off and the money not being applied to any loan. The XXXX sent the {$500.00} back to my Chase bank debit card on or about XX/XX/2023 through means of Pulse ACH ( documented by means of screenshots from XXXX showing reversal ). 
Due to not seeing the amount of {$500.00} reflect back into my Chase account, I filed a claim with Chase for the original {$500.00} that came out of my account on XX/XX/2023. Chase issued a " temporary credit '' on my account once the claim was filed. Chase opened and closed my claim once, but their representatives kept requesting I submit necessary documents regarding this dispute, so I did. I provided a personal statement about the original amount coming out not being authorized, several screenshots XXXX being of an email notification of the payment being noted as an " automatic payment '' and coming out of my bank account at XXXX ( showing I was not physically paying the amount at a bank with my card ), the statement from XXXX showing the loan was paid off late XX/XX/2023, a screenshot of XXXX showing the reversal, and a written letter/statement from a supervisor at XXXX stating XXXX money was reversed back to my Chase debit card. 
Today, XX/XX/2023, I still do not have the {$500.00} back. Instead, I called Chase Claims today and spoke with XXXX at around XXXX EST. He stated due to the claim being past the timeframe of investigation ( 30 days ) it can not be reopened. This is not posted anywhere, only the investigative team is aware there is a XXXX open window for a claim to be investigated. XXXX also denied me a supervisor to speak with and stated " the money was returned to the merchant. '' This is only XXXX of the XXXX conversations I have had with Chase.
Product: Mortgage

Hello, I was promised a disaster assistance program for 3 or 4 months. My concern when I received the letter for the assistance which was over {$6000.00} to pay by XX/XX/XXXX. 
I called XXXX XXXX two times regarding the amount and I was told to apply in XX/XX/XXXX for mortgage assistance. However, after receiving letters of promise for mortgage assistance, when I applied it took 2 months to get back to me after the application due to documents needed to be sent in. I also received a letter stating I did not have to fill out an application to receive mortgage assistance. Well as time came near XXXX XXXX was not truthful to me about the mortgage assistance and I am about to lose my home to foreclosure due to an excessive amount of over {$9500.00} I can not afford unless I pay in chucks of payments. The company defaulted and mislead me when I was given the time for forbearance of my loan for those 3 to 4 months. Now, they stated I do not make enough to qualify and will not send the information to VA and I am looking at foreclosure. Not sure of the date as of yet. I have items on my credit report in dispute and they added those items in for liability. My family is looking to be homeless. I am employed but they stated I have negative income and they will not allow VA to obtain a waiver for me to modify due to one modification 2 years ago. VA is willing to submit the waiver paperwork but XXXX XXXX said they will not send it to them. I in need of help.
Product: Mortgage

I have a rental property in an area that has over XXXX rentals on the market, I have placed the property for sale, have contacted my mortgage company and am behind on payments. I do not wish to keep the property and am doing the paperwork for a short sale. My question is how long will a short sale negatively influence my credit vs. a deed in lieu? The mortgage company is telling me it is the same, XXXX years, but to check with a credit agency. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  account numbers have violated my rights : - XXXX, XX/XX/XXXX, {$540.00} XXXX, XX/XX/XXXX, {$660.00} XXXX, XX/XX/XXXX, {$11000.00} XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, {$140.00} XXXX, XX/XX/XXXX, {$1000.00} XXXX, XX/XX/XXXX, {$780.00} Per 15 U.S.C 1681 section 602 A. states that I have the right to privacy.

Also per 15 U.S.C. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without written instructions.
Product: Debt collection

I have incorrect information reporting to my credit and it is preventing me from purchasing a home for my family through XXXX XXXX  XXXX. Ive reached out to these companies several times and have explain to them that this is not my debt And they have failed several times to give me proof. On top of that My insurance premium is going up because of these collections and they are saying is mine luckily I still have my job and I havent missed out on any opportunities because of my credit score however it is harder for me to rent an apartment and that is the main reason why Im looking to get home. The deposit that I have to pay for my utilities as well as Internet is outrageous all because they are going based off my credit. At this point I dont feel like I can build wealth in America or even retire because of the falsely accused collections that are on my credit report. I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report. I did not authorize nor know anything about these accounts listed. these are fraudalent accounts. i know my rights. This is stopping my life please remove them immediatley .You have 30 days. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 615 ( f )
Product: Credit reporting or other personal consumer reports

Harley Davidson Credit pulled my credit without having permissible purpose from myself on XX/XX/year>. ( XXXX5 usc 1681b ) Therefore this is considered aggravated identity theft. ( 18 usc 1028a )
Product: Checking or savings account

I am a XXXX XXXX in the state of Louisiana and I XXXX in XXXX XXXX. I received a paycheck of {$15000.00}. On XX/XX/2023, {$15000.00} was directly deposited into XXXX XXXX XXXX account ending in XXXX and {$200.00} was directly deposited into my chime credit builder account ending in XXXX. I decided to save a portion of the check by opening a savings account with Chime and initiated an ACH transfer of {$10000.00} from my first horizon checking account into the savings account with Chime. Immediately upon initiating the transfer through the Chime app, my account was flagged with suspicious activity and all of my funds were frozen and/or restricted. I received an email detailing documents that are required to verify my identity, which is understandable. I provided everything they asked for : a copy of my drivers license ( front and back ), a copy of my paystub, a bank statement, a copy of my social security card, a picture of my passport, a selfie holding my license up with a sheet of paper with my name and date on it, a written statement detailing the transaction, a letter of verification from my banking institution. Even after all of this documentation that I have provided, Chime still has my account frozen and restricted access to my funds. When I call customer service, they explain that there is nothing they can do on their end to remove the restrictions and pretty much tell me that I have to provide documentation, which I have. The customer service representative says that he can see all the documentation I've provided and even still his hands are tied. The representative says that I must communicate via email in order to fix the issue. Unfortunately, I am unable to reach anyone from the department that oversees account restrictions and security alerts. When I email XXXX, an automated response is sent to me asking for the same documentation that I have already provided with a link to upload documents but the link doesn't work. To this day, I have yet to speak to anyone through email and my account is now being considered for closure. I have {$10000.00} in a Chime checking account that is virtually stuck. All I want here, is to have the restrictions from the account removed so that I can transfer my money back to my checking account with XXXX XXXX so that I can close the account with Chime altogether. I'm concerned that Chime is essentially giving me the run around as a means to take my money. Please help!
Product: Student loan

My loan company, AES, claims they are unable to apply any loan over-payment to my highest interest rate loan unless I send them a letter every month with a check telling them specifically which loan to apply it to. I have already mailed them a letter stating that I wanted over-payment to the higher rate loan, but they declined it because I have consolidated loans. I have XXXX separate consolidated loans, XXXX with almost 6 % interest and XXXX with around 2.5 % interest. It does n't make sense that they ca n't apply it to the higher rate loan.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX
Product: Credit reporting or other personal consumer reports

During the pandemic, managing payments for this account became increasingly challenging. As the economic landscape shifted unpredictably, so did my financial stability. With job uncertainties and unexpected expenses, allocating funds towards debt repayment became a daunting task. Despite my earnest efforts, the burden of overdue payments weighed heavily on me, exacerbating the stress already imposed by the pandemic 's uncertainties. Each missed payment amplified feelings of anxiety and frustration, deepening my worry about the repercussions on my credit score and financial future. Navigating these turbulent waters required a delicate balance between meeting essential needs and addressing financial obligations. Seeking assistance and exploring alternative payment options became imperative in order to mitigate the impact of this challenging situation.
Product: Checking or savings account

I was informed by several people that operate businesses in the same category as mine that Frost Bank would be a good choice for my banking needs, since they had accounts currently operating with this financial establishment. I reached out to my local branch around XX/XX/XXXX, and later had a meeting with the Senior VP of Business Banking XXXX XXXX. I explained my business needs, why I had decided to sever my relationship with XXXX XXXX XXXX, ( keep in Mind I have amazing Credit, zero delinquencies, along with an excellent banking record ). I provided Frost with any requested account information, financials, and a list of all current customers. Upon review of my customer information, Frost decided that they did not feel comfortable opening an account for me based on the fact that my customers were not all in Texas. I don't know who can really operate an only local business and survive in todays economic conditions. The problem I have here is that I know other businesses, exactly the same as mine with Frost accounts and good standing relationship. These business owners also have accounts across the country as I do. Frost is blatently discriminating against my business because it requires me to use my own cash that I must withdrawal from their branches, and they do not want to deal with providing that service to a customer. Very disappointed with a local bank built on the backs of small business owners like myself, not willing to work with me or my business.
Product: Credit card or prepaid card

Both of my credit cards were cancelled today, without notice or warning, due to returned payments as a result of autopay. This is despite the fact that my payments are always made in full and both of the accounts are in good standing. By not providing any warning or recourse of such an event, Capital One harms consumers that may need these credit cards as a lifeline, especially in a pandemic. It is the responsibility of the bank to warn the consumer of any potential closures.
Product: Credit reporting

I received a credit report from Equifax showing a XXXX SERIOUS DELINQUENCY code for a XXXX XXXX account with the comment " ACCT SUBMITTED TO COLLECTION ''. I disputed the item and contacted XXXX directly. They agreed that the account had been paid on time and have no record of a collection action. They mailed me a letter stating as such. 
Despite the item being in dispute and the subsequent admission by XXXX that this was an error, my FICO score is unusually low and is causing a direct harm to me as the cost of a loan product will increase by {$60000.00} over the loan term.
Product: Vehicle loan or lease

Bridgecrest financial is breaking California usury laws on max interest making the loan unrealistic to repay they won't lower the interest rate to charge what is maximum amount able to be charged by law bridgecrest financial is committing predatory lending also charging fees to pay with debit card won't accept a credit card for payment so makes it impossible for someone to stay current on the car loan they have a history of this and have been sued for it in the past
Product: Debt collection

On XX/XX/XXXX I received a random phone call from a stranger asking me to verify my identity. I obviously would not volunteer this information in the day and age of identity theft and scam artists. When the caller refused to answer any of my specific questions about who they were and what they were calling about, i told them I would not verify my identity and to never call me again. On XX/XX/XXXX I got a notification from XXXX XXXX XXXX that a negative major deragatory event had hit my XXXX XXXX. When I reviewed it, it was from a company called Contract Callers Inc who i've never heard of. I then learned that in order for a debt collector to report your debt to the credit agency they have to satisfy XXXX of the following : Before a debt collector can report your debt to a credit reporting company, the debt collector must do any XXXX of the following : XXXX ) Speak with you in person about the debt, XXXX ) Speak with you by telephone about the debt, XXXX ) Mail you a letter about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered, or XXXX ) Send you an electronic communication about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. 

NONE of these steps were followed.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, XXXX XXXX XXXX and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX : Account number : XXXX, I am a victim of XXXX XXXX XXXX. Delete it from my credit Report Today! 

XXXX XXXX XXXX ( Original XXXX XXXX XXXXXXXX XXXX XXXX ) : Account number : XXXX, I am a victim of XXXX XXXX XXXX. Delete it from my credit Report Today! 

XXXX XXXX  : Account number : XXXX, I am a victim of XXXX XXXX XXXX. Delete it from my credit Report Today! 

XXXXEPT OF EDUCATIONXXXX : Account number : XXXX, I am a victim of XXXX XXXX XXXX XXXX Delete it from my credit Report Today! 

DEPT OF EDUCATIONXXXX : Account number : XXXX, I am a victim of XXXX XXXX XXXX XXXX Delete it from my credit Report Today! 

XXXX XXXX XXXX XXXXXXXX : Account number : XXXX, I am a victim of XXXX XXXX XXXX. Delete it from my credit Report Today! 

XXXX XXXX : Account number : XXXX, I am a victim of XXXX XXXX XXXX. Delete it from my credit Report Today! 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Checking or savings account

About 30 days ago, in early XXXX, I received a bank statement from TD Bank claiming that I had overdrafted my account. Looking at the statement, I noticed that several money transfer services were used under my name ( which I did not authorize ). At the time, I immediately tried called the bank ... and after waiting on hold for about an hour I decided to send them an email requesting the account be closed. I have not heard back from the bank, and today on XX/XX/2022 I received a second banking statement saying that I still owed money for the overdraft. I believe my information was used to open this account ... an action in which I did not authorize. Please do not do business with TD Bank as they have refused to answer any of my questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted supporting documentation for a dispute on my credit report. The document had my name spelled wrong but was for the right account. Experian went in and changed my name to match the incorrect letter and is now demanding I provide a ton of documentation to have it corrected despite having done it with only 1 incorrect document. I have called several times, emailed, and filed a dispute and they keep telling me it is not their error, and they are justified in having done so without several forms of documentation or permission in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed 3 credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 

XXXX XXXX XXXX XXXX Balance Owed : {$10.00} ; US DEPT ED XXXX Balance Owed : {$3500.00} ; US DEPT ED XXXX Balance Owed : {$20.00}.