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

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX AWAY XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX DOB : XX/XX/year> - SSN : XXXX This letter is to inform your company that I want to dispute the following items below on my credit profile. Did you see that your company was sued by the CFPB? for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that Experian does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers ' access to credit, employment, and housing. 
I also learned that your company is notorious for telling consumers that you will not investigate accounts if you have previously " investigated '' and now we see that you all never really investigated anything for consumers. I am demanding that you reinvestigate/ investigate and the outcome be removed today! 

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

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I am a single mother and work full time for the XXXX XXXX XXXX. I work 60 plus hours per week. I have four private student loans which are now owned by Navient. I have been paying on my loans since I graduated with my XXXX in 2009. My federal loans qualify for the income based repayment option. These four private loans are placing myself and my family in a hardship and Navient is not willing to work with me. I am currently paying {$310.00} per month. I had to let the loans default for months due to Navient not willing to work with me. Six months ago, I was paying {$250.00} and after the six months, they raised the rate and it will increase again in XX/XX/XXXX. I call every six months and are insulted by their workers. I am in tears at the end of every call and am told " This is not our problem. Get a second job. '' I am told that I need to work more to pay the loans when I am calling to try and get a lower payment.

They do not apply my automatic payment correctly each month. I have to call each month because I am getting threatenting calls and once I call, the automatic payment is applied correctly. My Navient account shows loans as past due when they are paid. In XX/XX/XXXX, they withdrew over {$700.00} out of my account without my authorization. I called and they refunded the money to then turn around and take out over {$400.00}. They give no clear statement as to why a certain amount of money is taken out. I call and one person gives me an amount to pay, I sign up for the program and then I am told by another that the loans dont qualify for that program and owe more money.

After my mortgage and all bills are paid, I have {$100.00} to my name. I work hard and have no time in a day for a second job. I am sometimes in the negative each month due to Navient. I did not know what I was signing up for when I took out Private Loans. The payback process was not explained to me when I was trying to put myself through school. They have taken money out of my account without authorization and when I call, they tell me that I have to make that payment or I would be taken to court and my paycheck would be garnished.

Navient harrassess and bullies people. I am considering bankruptcy in an attempt to file for undue hardship becasue of these loans. I try and work with this company and try and pay what I can. They are not willing to work with anyone and steal money. I will never see the end of these loans. The amounts that are now owed do not make sense and I am always having to pay a different amount and when asked why, I am told thats the amount and either I pay it or be taken to court. My family members are witness to the harrassment and bullying. I am willing to do anything to seek help. Navients practices are not ethical and they should not be in business.
Product: Credit reporting or other personal consumer reports

I am sending to formally dispute the inaccurate or misleading information on my credit report. 
XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Auto Financing Companies XX/XX/XXXX XXXX XXXX XXXX XXXX Finance Companies - non specific XX/XX/XXXX XXXX XXXX XXXXXXXX Banks - non specific XX/XX/XXXX XXXX All Banks - non specific XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Banks - non specific XX/XX/XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX  Mortgage Reporters XX/XX/XXXX XXXXXXXX XXXX  XXXX All Banks - non specific XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX All Banks - non specific XX/XX/XXXX XXXX XXXX  XXXX Mortgage XXXX XX/XX/XXXX XXXX XXXX All Banks - non specific XX/XX/XXXX XXXX  XXXX XXXXXXXX Mortgage XXXX XX/XX/XXXX XXXX All Banks XX/XX/XXXX XXXX  XXXX XXXX  XXXX All Banks XX/XX/XXXX XXXX  XXXX XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX  XXXX XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX Miscellaneous and public record XX/XX/XXXX XXXX  XXXX  Miscellaneous and public record XX/XX/XXXX XXXX XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX Banks and XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX other than personal XX/XX/XXXX XXXX XXXX  Banks and XXXX XXXX XXXX XX/XX/XXXX XXXX Contractors XX/XX/XXXX XXXX XXXX  Finance other than personal XX/XX/XXXX XXXX XXXX, personal XX/XX/XXXX XXXX  XXXX Miscellaneous and public record XX/XX/XXXX XXXX XXXX XXXX other than personal XX/XX/XXXX XXXX XXXX  Banks and XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  Banks and XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX Banks and XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  Banks and XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit card

I received a letter in the mail from XXXX XXXX  advising a recent application for XXXX XXXX XXXX XXXX XXXX card was unable to be approved. This was surprising as I did not apply for any credit with XXXX XXXX XXXX XXXX XXXX. I also received another letter in the mail from Concora Credit - XXXX. This letter confirms an account with XXXX was approved. There is a card attached that list my name as well as the card number. It also has an expiration date and CVV code. I called XXXX XXXX  to alert them to this fraud and spoke with a Supervisor named XXXX at : XXXX. She advised the credit application was done online. XXXX advised she will update my information noting that the application was fraudulent and also states she would be notifying the bureaus that the inquiry was also fraudulent. I will be contacting the bureau 's to request a freeze on my accounts and request for a copy of my credit report from all bureaus. I did not apply for credit with XXXX XXXX XXXX XXXX XXXX and this incident I'm reporting is fraudulent.
Product: Credit card or prepaid card

I had a Carnival MasterCard which I closed on XX/XX/2020. The balance was {$0.00}. 
A charge was applied against that card for {$9.00} on XXXX XXXX, XXXX after the card was closed. I do not understand how a charge could be made after I closed my account. Since the time that the account was closed I did not receive any monthly statements. 

I spoke with an account rep on XXXX XXXX  who saw that the account was closed and that the balance was {$0.00}, and he said he would forward it for further investigation. I called again on XX/XX/XXXX since I hadnt received a response. I was told that charge was from XXXX XXXX for a back-ordered item from XX/XX/2020, and that the late charges and interest accrued a balance of {$120.00}. The representative I spoke with tried to explain that the charge was authorized but delayed because it was back-ordered. Nonetheless, a charge was made against my closed account. 
I called again today and was told a letter was mailed to me on XX/XX/XXXX, saying that the dispute is being investigated and may take 45 days. The balance now is {$16000.00}. 
Meanwhile this has affected my credit report as late payments for 3 months. 
I am willing to pay the {$9.00}. I have requested that they dismiss the additional charges. 
My complaint is that they allowed a charge against my closed account, they didn't send me any statements, and this is taking too long to resolve.
Product: Debt collection

I have received several calls over three days from Cambridge Asset Management from a landline number in Tennessee. I do not answer calls I do not recognize. They do not leave a message. I called them back to see who was repeatedly calling after the 4th call. They wanted to speak to " XXXX. '' I told them I am not " XXXX '' and to quit calling my number. Immediately upon hanging up the man called me back using " unknown ''. When I answered and recognized his voice I again told him to stop calling me. They called twice again today. I called back and asked for the name of the company. He told me and I asked for their address. He asked why I wanted to know. I told him I had repeatedly asked them not to call my number and I was reporting them for harassment. He asked who I had spoken with yesterday and I told him he was the one I spoke with. He tried to say it was not him. Unless he has a twin brother who sounds like him it was the same person. When I would not buy his " we only called today and I am not the same guy '' spiel he hung up.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX Inquiry XXXX XXXX XXXXXX/XX/year> Collection : 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  Former : XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX : XXXX XXXX  XXXX Employers XXXX XXXX XXXX Employers : XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer credit reports indicated a negative mortgage payment history when there was none. The consumer made 100 % of payments on-time as agreed. Freedom Mortgage Companies reports of {$300000.00} credit balance are inaccurate without necessary calculations for accepting a forthcoming loan modification application.
Product: Credit reporting

I am filing this complaint because XXXX, XXXX, Experian has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark and can not verify these account under section 611 ( 5 ) ( A ) of the FCRA -they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you
Product: Credit reporting or other personal consumer reports

Since XX/XX/2023, I have not been able to access my credit score and credit report on XXXX XXXX. I have spoken with multiple customer care representatives both by phone and email numerous amounts of times. I believe my identity information may be compromised by this company as it relates to personal taxes. On XX/XX/XXXX, I emailed a response to the XXXX to let them know there is no reason why the company should not be able to retrieve my credit score and credit report information from XXXX and XXXX ; because my consumer credit reports are not frozen or locked. I called all major credit bureaus ( XXXX, XXXX, and XXXX ) to confirm this. I sent copies of the front and back of my driver 's license as well as copies of my social security card and a utility bill. I still can not access the details in my account. I was told to delete and create new accounts multiple times, with still no avail. Review included illustrations for more details.
Product: Payday loan, title loan, personal loan, or advance loan

Under XXXX  regulations, creditors are required to issue a Form XXXX when they cancel a debt of {$600.00} or more. Failure to do so can result in penalties under Internal Revenue Code XXXXXXXX XXXX XXXX. In XXXXXXXX XXXX XXXX, the court clarified that issuing a Form XXXX is a tax reporting obligation and does not necessarily indicate that the debt has been canceled. Therefore, while the creditor 's failure to issue a Form XXXX may result in XXXX  penalties XXXX it does not affect the status of the debt itself
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts 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 : XXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance XXXX XXXX {$0.00} XXXX LA XXXX XXXX Owed XXXX {$150.00} XXXX XXXX XXXX  XXXX Balance Owed : {$410.00} XXXX XXXX Balance Owed : {$0.00} Medical XXXX Balance Owed : {$90.00} XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXXXXXX XXXX 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

On XX/XX/year> I went through the atm drive thru and deposited {$250.00} at XXXX pm at Chase located in XXXX. When i tried to add more money an error screen popped up and printed me an error receipt while taking the money that was inserted the compartment. I immediately went inside the branch and explained the situation. I tried fixing the problem to get my money back. They credited {$250.00} to my chase account while investigating but now claim they cant locate my payment that i have already paid and removed the credit adjustment. I showed them the receipt that I got and the atm has multiple cameras. i counted my money right in front on it as well. It was XXXX {$50.00} bills and XXXX {$20.00}. Chase is basically committing fraud and wont give me my money back.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing to remedy this breach. Please help me delete these illegal accounts from my credit reports. Account names and account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently disputing inaccuracies on my report with equifax, along with unauthorized inquiries to my report, but this complaint is to address all XXXX bureaus in accurate reporting of my utilization credit availability which affecting my score drastically. I have XXXX in credit, and utilization of XXXX across all avail credit which is less than 5 % but they are reporting 101 % utilization which if affecting my credit score drastically. Can you assist me in correcting this issue I have addressed it multiple times. 

Thank you in advance
Product: Credit card or prepaid card

On the night of XX/XX/2018 my husband 's wallet was stolen ( pickpocketed ) while on a visit to XXXX. When we realized this happened the next morning, we immediately called Chase ( along with the other CC companies ) and logged into our account to see {$1000.00} had been withdrawn at an ATM, and XXXX XXXX purchases totaling over {$2600.00} had been made between the hours of XXXX and XXXX on XX/XX/18. We then went to the police station and filed a police report ( XXXX PD case number XXXX ). 

Initially, Chase gave us a temporary credit to cover the costs but last week determined that they would not cover the claim and reversed the credits back out of our account. Even worse, they froze our savings account so we couldn't transfer money out to cover the overdrafts until we called and BEGGED them to unfreeze it for a few minutes. 

Their reason for the claim denial was that a PIN was used to make the purchases. We believe ( as did the sergeant who filed our police report ) that my husband was followed and targeted - watching him enter his PIN at a XXXX OR this was an inside job. 

Chase was negligent on several security measures : 1 - ATM Daily Limits. The thief was able to take out over {$1000.00} in ATM withdrawals, exceeding the daily limits on the account. 
2 - Access to linked accounts. The thief was able to re-point my husband 's Visa debit card to my checking account ( where there was more money ) and spend against it. 
3 - 11 unusual transactions were made in the middle of the night ( XXXX ) in a town we have never visited and at every one of them they took {$100.00} in cash back. Their fraud detection systems never caught them. And the cashier at XXXX was likely in on it - 9 of those transactions were at the same store in XXXX, IL. 

Last week, we received a tattered envelope with his water-soaked wallet with his license and insurance cards. The note said the wallet had been found on a street corner in downtown XXXX. Credit cards and cash were missing, of course. They took what they wanted and dumped the rest. 

Having been a customer with Chase for many years ( close to 20 ), we are so frustrated with this situation. Chase has refused to research the ATM or XXXX purchases and claims no responsibility in protecting us.
Product: Credit reporting or other personal consumer reports

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

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

In the year 2009 my business income volume decreased almost 75 % I was diagnosed with a XXXX due to all the financial difficulties, at the same time my husband fell ill and had to go under XXXX XXXX and we had to live on credit cards to be able to make ends meet. My credit got overextended and we where not able to afford the terms on the credit cards and also it caused to default on the mortgage monthly payment. We requested a short sale and placed our property on the market for almost 6 months and have shown the property numerous times with no luck. Because my income has dropped considerably I can no longer afford the terms of the original loan and as a loyal customer I 'd like to ask for an affordable loan modification to real market value and a lower interest rate.
Product: Mortgage

Early XXXX, I called Wells Fargo, and asked what relief they could provide due to Covid-19. At one point in my life I worked as a XXXX XXXX XXXX so I am very familiar with how a forbearance versus a deferment works. I was adamant if all they could offer me was a  forbearance that I was not interested and I was assured by the Wells Fargo rep that they would just put the 3 payments at the back end of the loan and it was not a forbearance so I agreed. Yesterday XX/XX/XXXX, I received a notice from Wells Fargo asking If I need to extend my forbearance or discuss repayment options for the missed payments. I am livid! I was lied to or someone XXXX  up. I want the offer I agreed to nothing more nothing less.