23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

First, I was a victim of identity theft. Someone used my personal information to open an XXXX XXXX XXXX XXXX XXXX XXXX and then used this company to create an account at Chase.I will upload this company 's information, the address is not me.I have also reported this company to the IRS. Chase did not properly verify the companys information before opening the account and did not even make a copy of the ID during the review process.What makes me even more furious is that they used this account to link my personal and business accounts. I couldn't see any linked information from my account, but they could see everything about my accounts.Through this linked account, they changed my address and phone number and replaced my debit card.On XX/XX/XXXX, they withdrew money from my bank account using the replaced card.During this period, I did not receive any security alerts or confirmation notifications from Chase Bank.I discovered the issue the next day and reported it to Chase.This claim is under reviewing by the executive office now.The executive office has been very irresponsible with my case. They haven't even properly reviewed all the evidence I provided. Every time I call to inquire about the progress, their attitude is dismissive. They've been focusing solely on my own account and haven't acknowledged that my information was altered through a linked account that doesnt even belong to me.If they had conducted a proper review, they would have noticed that the IP addresses and devices used to log into that account, which doesn't belong to me, are inconsistent with my account. In fact, one is from XXXX and the other from XXXXThe executive office also stated that because the PIN number was correct, they determined it was an action made by me.I have proven that it was not my own operation, but they still don't care.If my personal information can be stolen, why is it impossible for the PIN number to be stolen? For an account that has been used with Chase for over 5 years and has always been in XXXX, but was stolen and used in XXXX, do you really help customers solve these issues, or do you pay more attention to unusual activities and operations? You have been constantly trying to find fault with the customer. trying to shift the responsibility onto the customer.All the information comes from banker and the evidence they can easily find. but the executive office chooses to ignore it.I am very grateful to the banker for helping us gather the materials.But Chase 's claim department is really terrible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand that the following accounts filed be deleted all collection efforts cease and any information about this account files sent to credit agencies bureaus be removed immediately! 

XXXX XXXX ACCOUNT # XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00} BACKRUPTCY XXXX XXXX  BANKRUPTCY REFERRENCE # XXXX XXXX AMOUNT : {$0.00} INQUIRIES NOT AUTHORIZED XXXX : XXXX DATE ; XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX DATE:XXXX  XXXX DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX INQUIERIES NOT AUTHORIZED XXXX ; CREDIT PLUS DATE : XX/XX/XXXX XXXX XXXX DATE:XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX DATE ; XX/XX/XXXXXXXX XXXX DATE ; XX/XX/XXXX XXXX XXXX XXXX DATE ; XX/XX/XXXX INQUIRIES NOT AUTHORIZED XXXX : XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX DATE ; XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX  DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX DATE ; XX/XX/XXXX XXXX XXXX XXXX DATE ; XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX
Product: Student loan

I XXXX  XXXX XX/XX/XXXX. I've been paying Sallie Mae since I've XXXX with only a couple months paused during the beginning of COVID. Even during COVID, payments were being made under a repayment program. According to Sallie Mae, I've applied and been approved for the program twice. The program ended XX/XX/XXXX. Unfortunately, since then, I have not been able to make the minimum payments as the amount has increased by over {$300.00}. I've told Sallie Mae on NUMBEROUS occasions that i can not pay the new minimum payment. Since XX/XX/XXXX, they have told me to call back EVERY month to see if i am eligible for a new program and every month i get told i am not. Sallie Mae has gone out of their way to contact people who ARE NOT a part of my loan ( distant family members ) ( which i have evidence of ) under the guise of they can not get in contact with me. They constantly call me to harass and ask for money which i've already explained i do not have. On Thursday, XX/XX/XXXX, i spent XXXX mins on the phone with a representative and the only resolution to my problem was to figure out how to make the payments. I told the agent, i will make whatever payment i can when i get paid. On Monday XX/XX/XXXX at exactly XXXX, another agent decided to try and get their money from me. And again, i explained, i can not make the payments and will do when i can. I expect another call this month even though i already outlined what i am able to do. These calls are non stop and are taking a toll on my mental health and my well being. I feel like i am consistently being harassed by Sallie Mae and their employees. In XXXX of XXXX the call log is at XXXX times and thats only because i've told them multiple times to STOP calling me. I am tired of them calling people who have nothing to do with the loan. SALLIE MAE is stealing the XXXX of college from students. Allowing young minded people to sign over their lives for an enormous amount of debt which they or their parents may not understand SHOULD BE ILLEGAL.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : XXXX. My academic records and personally identifiable information ( PII ). 
XXXX. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 
XXXX. My IRS tax transcripts, which were obtained and used without proper authorization. 

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.
Product: Student loan

I mailed a check to Navient on  XXXX   XXXX ,   XXXX  . The check cleared my bank account on  XXXX   XXXX ,   XXXX  .   I checked my student email today, and there was an email from  XXXX   XXXX  stating my account was past due an d may impact m y credit.   I called urgently today at  XXXX  to remedy the situation, stating I paid, and they said I mailed it to the wrong place. They said they could bring my account up to date, that I would need to mail them a copy of the check clearing my account, so I said I would and I thanked them. He said it was reported to my credit two days ago, though. That frustrated me because the payment cleared my bank account. Then he reiterated what needs to happen to fix it.   THEN, I received a recording stating I agreed to go into forbearance. I disagreed, because that is not what needed to happen and asked to speak with a supervisor. The supervisor said I needed to go into forbearance or allow my account to remain past due. This is unacceptable for someone who has paid her bills, the checks have cleared, but they did not apply it to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2023 to remove this account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any account or information not later than 4 business days after the XX/XX/2023. Ive already included this in my previous Complaint & I am including it again.,
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information that are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$1700.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$190.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX # XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Inaccurate Account Information I am writing to formally dispute the information related to [ Account Name/Number ] on my credit report. After reviewing my credit file, I noticed that this account has been inaccurately reported and I am requesting its immediate removal.

Here are the key reasons for my dispute : Inaccurate Account Information : The information listed about this account is incorrect. I have never opened or authorized this account, nor have I ever received services or products from the creditor. It appears this account has been added to my report in error.

Lack of Validation : I have not received proper validation of this debt despite my attempts to resolve this issue. The creditor has failed to provide sufficient documentation to verify the accuracy of the debt, as required under the Fair Credit Reporting Act ( FCRA ).

No Prior Notice : I did not receive prior notice of this account being opened, and no attempts were made to contact me before it was reported to the credit bureaus. As a result, I have been denied my legal right to dispute or resolve the matter directly with the creditor.

I kindly request that this inaccurate account be investigated and removed from my credit report promptly. Please confirm in writing that you have received this dispute and inform me of any action taken to correct the error. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX remove from my credit report
Product: Student loan

Questions such as how many file complaints against Citizens Bank for not lowering payments and helping people like myself get a lower payment that I can do? What about putting these two loans together to make one low payment. I don't get this. I thought a company like Citizen 's Bank would help consumers like myself? Why are there no options for me and others like myself in the USA? 

Why is this? Why would CB not help?
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint in XX/XX/2022. Regarding these inaccuracies on my credit report. Their are ( XXXX ) debts from XXXX on my report claiming that I owe. Experian only closed the accounts and added remarks to my report still listed as potentially negative which hindered my score even more. I am asking to have these inaccuracies DELETED from my Experian report.
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 right to privacy and confidentiality under 15USC 1681. XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  : XXXX XXXX U.S.C 1681 section 602A. States I have the right to Privacy 15 U.S.C 1681 section 604A. It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Sections 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 convicted crimes which antedates the report by more than XXXX 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 the information is inaccurate. 

15 U.S.C 1692c you have violated my rights by unlawful communication
Product: Credit reporting or other personal consumer reports

I have diligently followed all the necessary procedures in disputing the accounts. I've contacted the company, and they assured me the issue was resolved. Law enforcement has been involved, and I've provided a FTC report, which they confirmed as valid. Furthermore, XXXX and XXXX have complied with legal requirements and removed the account. However, Transunion seems to be presenting obstacles, claiming I haven't completed all the necessary steps. Despite my previous claim to Transunion, I remain stuck. They are alleging that the documents I've provided are inadequate. It appears Transunion is failing to fulfill its legal obligation to process the identity theft report eventhough the company already removed the account from the other bureaus. I want to emphasize that I've reported the identity theft to a law enforcement agency, specifically FTC, a federal entity. I seek a resolution to this matter that adheres to proper procedures. The distress caused by this identity theft, coupled with the inability to access my credit, is severely impacting both my personal and professional life. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Mortgage

My mortgage payment is serviced Lakeview Loan Servicing LLC. It is subserviced by XXXX. The monthly payment is supposed to be XXXX monthly. XXXX XXXX was withdrawing XXXX biweekly and making the monthly payment. until XX/XX/XXXX. At that time they requested that the biweekly payment should be XXXX to cover additional fees. I made XXXX payments during XXXX XXXX. XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, and XX/XX/XXXX XXXX. 
They have collected {$710.00} every XXXX weeks since that time. Each statement from XXXX states that a XXXX past due amount has been collected.each month. This is {$450.00} past due fees while I have never missed or been late on a biweekly payment. After making an extra payment in XXXX. 
Payments and past due fees were made on : XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Bi-weekly payments were collected on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX. 
I cancelled XXXX XXXX 's automatic bi-weekly withdrawal. I received my usual monthly statement from Lakeview stating that I owed XXXX again this month which included the {$91.00} Past due amount. I can not get them to answer the phone!!! I have tried many times on XXXX different phone numbers published on their statement!!!
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer reports and notice that I had XXXX late payments on the account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account that I have included in the screenshot inside the complaint in on the dates ( XX/XX/year> ) and ( XX/XX/year> ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments to be updated to paid as agreed on time as they should be, due to the fact I was never late. Thanks. Please see screenshot attached :
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report on XX/XX/2023 and notice there were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting me from getting approved. I already reached out to the credit bureaus about this multiple times they keep violating my rights under 15 USC 1681b. I also attached the hard inquiries that have no purpose on my credit report.
Product: Credit reporting or other personal consumer reports

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Product: Bank account or service

THE PROBLEM WITH FIRST NATIONAL BANK OF OMAHA STARTED IN THE MONTH OF XXXX XXXX AFTER MY DIRECT DEPOSIT FROM XXXX THE ALLOTTMENT IN THE AMOUNT OF {$200.00} INTO ACCT NO XXXX ROUTING NO XXXX STARTED OFF AS A NORMAL TRANSACTION BUT THAT WAS SHORT LIVED IN EXACTLY 24 DAYS MY PROBLEMS BEGAN .SOME ONES INFINITE WISDOM DECIDED TO DEPOSIT AND ELECTRONIC DEPOSIT FROM XXXX XXXX XXXX XXXX E/FILES REFUND DISBURSEMENT INTO MY ACCOUNT XXXX ROUTING NO XXXX IN THE AMOUNT OF {$5700.00} EVEN THOUGH THEY KNEW THIS NAME OF THE IRS REFUND WAS NOT MY NAME THEY DEPOSITED THE FUNDS ANY WAY THEY PROCEEDED TO FREEZE MY ACCOUNT RATHER THAN RETURN THE FUNDS TO THE IRS OR XXXX XXXX TO HAVE THESE FUNDS RETURNED TO CORRECT ACCOUNT HOLDER.I AM UNABLE TO PAYBILLS THAT HAVE BEEN OUTSTANDING SINCE XXXX XXXX XXXX THEY REFUSE TO ANYTHING TO CORRECT THE PROBLEM.I HAVE CALLED CUSTOMER CARE FOR THE LAST MONTH NO SUCCESS EVERY ONE TWIDDLING THEIR THUMBS I AM ALL TALKED OUT
Product: Payday loan, title loan, personal loan, or advance loan

I purchased furniture from XXXX XXXX through American First Finance on XX/XX/23. I have been making biweekly payments of {$250.00} since last year. Ive had sever issues with the bank regarding my payments. Theyve made repeated errors with my auto drafts and begin harassing me the same day the payments are due after they fail to fix the errors on there end. 

After several frustrating calls, texts, emails, and chats, I began to just make the payments on my own. When I noticed my balance was continuously increasing in spite of my biweekly payments, I reached out to find out why my balance wasnt decreasing. I was told my balance wasnt decreasing when I make payments because Im paying lease and loan fees. I asked to return the furniture and cancel my contract due to my bad experiences since Ive started making payments. I was then told they do not pick up merchandise nor does the vendor accept returns. I was given contact information for another department to request a return. 

I never had luck via telephone, so I submitted a return request via email. I was told the store didnt accept returns so I would have to complete a donation return process, while still making payments.
Product: Debt collection

Beginning in XX/XX/XXXX I sent in a debt verification letter to XXXX XXXX. The information was provided in a timely manner and they were told to delete it from my credit report. The collection agency deleted the info but the original creditor did not. On XX/XX/XXXX I sent in a new round of disputes to XXXX XXXX XXXX And to no avail it is still on my credit report. The account keeps coming back verified. Requested the method of verification and have not been sent anything as of this date.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

I looked at my TRANSUNION credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.