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

Hello It looks like there was a hard inquiry that impacted my credit score. 

I am concerned as it says I opened a new account / credit card with some bank called " synchrony bank. '' This is incorrect information. I did not apply for a new credit card -- and if SOMEONE did with MY security information, it was NOT me. 

Can you please get back to me so I can 1. fix the impact on my credit and 2. understand how to fix if this is fraud?
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XXXXXXXX XXXX XXXX but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX {$360.00} XXXX XXXX XXXXXXXX {$220.00} XXXX XXXX XXXX XXXXXXXX {$200.00}
Product: Credit reporting or other personal consumer reports

I would like to notify the credit reporting agency that I have opt out with the financial institution to not share my nonpublic information. Complaint # XXXX
Product: Bank account or service

This is in dispute of my Case number : XXXX. I am not disputing Chase 's closure of my account. I am disputing whether or not Chase has the authority to require the writer of the check who is not related to Chase ( his bank is XXXX XXXX Bank ) to physically appear at a Chase location with me, in order for me to to receive the {$3500.00} that Chase has already been paid by XXXX and is still holding in their suspense account for the past four months. Can Chase arbitrarily hold funds and require the writer from a third party bank to appear at a Chase location to present his/her identification? If this is not arbitrary, then what was the basis of Chase 's decision to do this? It certainly appears either predatory against smaller banks, or possibly discriminatory against the person presenting the check to the teller at Chase ( as discussed in initial complaint, check was written and cashed into my account by XXXX XXXX, a signer on the account ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XXXX of this year my XXXX  account which is connected to my XXXX XXXX  account was hacked and somebody made fraudulent purchases through this account. I had this account set up for autopay and was not aware until later that my autopay payments for my car loan were being rejected. I have been with XXXX XXXX for a year and a half and never have been late. XXXX XXXX apparently were sending out my statements to the wrong address and I wasn't receiving any notice that I was behind. When I did find out what had been going on I contacted XXXX XXXX by phone and immediately paid the balance up to date. They promised on their website to make efforts to contact you if you are behind but they apparently made next to none as they couldn't even get the address correct and were about to put me in collections! 

They then reported me to the credit bureaus for being late after I told them I had been a victim of identity theft. I also wrote them a letter explaining this, submitted proof from my XXXX account and the report that I had filed with the FTC. According to FCRA they are not supposed to report information that is related to fraud, yet they did and rejected this information saying it was still paid late. Duh, yes it was because my accounts had been hacked and you are sending my statements to the wrong address. 

And when I called your representative and gave them my new bank account information they assured me they would put me on auto pay as your website is a confusing nightmare to try and access. They didn't put me on autopay but I did at least this time receive a letter notifying me that again the autopay wasn't working and had to go in and do it myself, getting me stuck with more late charges. And even more annoying I still can't put the account on autopay to have peace of mind with my car payments automatically leaving my account because your website won't let me again. I honestly think this is set up deliberately to make it as confusing and difficult for the consumer as possible in order to slip in a bunch of late charges. I also have " other charges '' on my statements that don't even explain what they are for. So shady. 

I demand that XXXX XXXX remove the late payment off my credit as per the rules of the FCRA - " businesses are not supposed to reporting information about you to consumer reporting agencies if you believe the information is a result of identity theft ''. 
I was, I identified the information and provided the identity theft report. Please remove the late payment from my credit report, AS IT WAS A RESULT OF IDENTITY THEFT! My XXXX was even hacked and I am banned from it as a result of these thieves. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX I presume that no proof of the alleged debt, nor therefor any such debt, in fact therefore exists
Product: Checking or savings account

I filed a dispute on XX/XX/XXXX ; Sofi has now restricted my account denying me access to my own funds under the guise of security. This restriction comes immediately after I received a significant refund, which they are denying me access to.
Product: Debt collection

I have an account with a company called XXXX  who I financed my XXXX alarm system equipment through. This company called XXXX have been reaching out to me regarding this bill. I called the company XX/XX/XXXX a Friday. I spoke to a gentleman, XXXX XXXX, or whoever his name was and he was very very disrespectful, nasty and called me a liar. I called XXXX to get an understanding of the text message I received, was this a settlement offer a pay off just to get an understanding of it all before I take care of the debt. Due to his nastiness, I did become erratic and belligerent, and I hung up on him. The same guy called me today, Saturday, XX/XX/XXXX at XXXX XXXX  or so and instead of dressing me by XXXX XXXX he called me XXXX as if we were friends and we are not. He was really nasty Again, and rude and hung up on me. I called back to the company requested to speak to a manager. The manager was OK but I still he didnt do a sufficient job that I would think was sufficient. He said he was gon na listen to the tapes and get back to me which I dont care about that And now they want me to pay this money I refuse to pay for being disrespected that is nasty. The Customer supposed to always be right. Thats what I thought could a customer service so I would like for someone to contact them and speak to them on my behalf and if they want to work out something Im fine. I called for XXXX the original deck holder to speak with them about this account and they stated that it was turned over to a company called XXXX  I asked the representative was she sure it was an XXXX and she said no its XXXX  or XXXX  and proceeded to give me the phone number for XXXX  which is not the same number that I have been calling for XXXX. Not only am I suspicious of this company now
Product: Checking or savings account

Wells Fargo Froze all my business accounts leaving me with XXXX dollars to run my business that has a high daily spend limit for up to 12 days ( XXXX real days ) due to an internal error by wells fargo. A lawsuit will need to be filed against wells fargo for loss of work.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an eviction on my report being reported by this company XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX both intimated a hard inquiry of my Experian credit report. I have no credit with either company, and did not authorize these. These were done without my consent. Please help.
Product: Student loan

I have been paying on my federal student loans since XXXX which was a year after I XXXX from XXXX school. I paid off my private loans a couple of years ago. I was under the assumption that under the XXXX XXXX XXXX XXXX I would make payments for 25 years. Since Navient took over my loans in XXXX they do not count the 10 years that I had been making payments and now say that my loans will be paid off in XXXX. I am XXXX XXXX XXXX and I do not want to be straddled with student loan payments when I retire in 6 years. My current loan amount is approximately {$93000.00} after close to 19 years of payments. I was a single mom with XXXX children while I was going to school and I have been working since XXXX of XXXX and started making payments on my loans in XXXX of XXXX. I have never defaulted on any loans.
Product: Credit reporting or other personal consumer reports

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. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 16811 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 fumish 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Debt collection

I keep getting calls from debt collectors for a XXXX XXXX. This has been going on for at least a year. Each time I tell them I do not know this person and to please take my phone number off their list and the the list of the person that hired them. Each time they tell me that they can only take me off of their list. Today I got a call from Comenity Bank. I asked them to take me off the list and also to have me taken off the entities list that hired them. It appears that Comenity is the lender that the debt is owed to but they could still not guarantee that I will not get calls from any one else even when I asked to have my number taken off any one they have hired to collect this debt. All I want is for the calls to stop but they could not commit to doing that or give me any information on how to get it stopped. 
Latest call was today XX/XX/XXXX at XXXX. The supervisor I spoke to was XXXX. He would not give me a last name or a direct number to call him back on. He wouldn't answer any of my questions about whether or not they were the source lender or the nature of the call. Said it was against the law. Every one kept repeating that. I asked XXXX to cite the law and he could not.
Product: Debt collection

I called and wrote to this collection company representing XXXX XXXX XXXX XXXX. 
I sent all my medical insurance Ids. I ask for a break down of the billing. receipt of payments from whom balances. I wish to pay for the correct amount. Need to know in clear written language who owes what ... I am not a accountant and cant read all these scribbled notes. 
Perferred Collection and Management services Tel XXXX Reference # XXXX Client Acct Number XXXX Amount Due {$81.00} DISPUTED
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently obtain a copy of my credit report and noticed accounts i did not authroize
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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 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
Product: Credit reporting or other personal consumer reports

I am writing to express my deep disappointment and frustration regarding the ongoing presence of fraudulent items on my [ account/bank statement/credit report, etc. ], despite numerous attempts to address the issue. This letter constitutes a formal complaint concerning the many unsuccessful attempt to remove these unauthorized entries. 

The continuous presence of fraudulent activity has caused me significant stress and inconvenience. As a valued customer, I rely on your institution to safeguard my financial interests and promptly address any security breaches. The repeated failure to remove the fraudulent items undermines my trust in your institution 's ability to handle such matters effectively. 

I urge you to take immediate and decisive action to comprehensively address this issue. This should involve conducting a thorough investigation into the root causes of the repeated failure to remove the fraudulent items, as well as the implementation of robust measures to prevent their recurrence in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXXXXXX 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reporting XXXX XXXX XXXX amount of {$670.00}. I have disputed this account with XXXX XXXX and Equifax. After dispute XXXX and XXXX removed the account and Equifax removed the account then placed it back on. This account does not belong to me.
Product: Checking or savings account

On XX/XX/XXXX my employer deposited into my accounts, the bank placed the funds on hold, I called they gave the different reasons, I waited, and my funds wasnt made available, my employer deposited funds into the account again, and I still cant get my funds, I have called, they have gave me different answers, I call today, and they still cant give me A reason why my funds are still being held as pending in my account. The Experian Money card agents are rude, and when I ask to speak with management concerning this matter they hung up, acting like they cant hear me. I need help with this matter because I have tried to handle this, and it been almost two weeks since the first deposit was held with out A clear answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is related to two closed student loan accounts erroneously reporting to the credit bureau as open as well as incorrect loan balances associated with those loan accounts. Multiple disputes with documentation have been submitted to the credit bureaus and the reporting student loan servicer. 

There are two student loans from Nelnet in the amounts of {$99000.00} and {$120000.00} showing on my credit report with XXXX and XXXX. These loans were consolidated in XXXX and transferred at that time from Nelnet to XXXX. In XX/XX/XXXX, the loans were forgiven under PSLF. Erroneously, XXXX and XXXX still reflect that these loans are open with Nelnet. I filed disputes with XXXX on XX/XX/XXXX and XX/XX/XXXX and with XXXX on XX/XX/XXXX and XX/XX/XXXX. The results of each of these disputes indicate the information was verified as accurate. 

On XX/XX/XXXX I contacted Nelnet and spoke with a representative named XXXX to request that the loan status be corrected with the credit bureau reporting. XXXX confirmed the accounts in question were closed with {$0.00} balances and were being reported that way to the credit bureaus. She advised me to send an email to their Customer Solution team at XXXX. I did so on the same date along with providing screenshots of my credit reports. Unfortunately, I did not receive a response to my emailed request. 

On XX/XX/XXXX I contacted Nelnet again to inquire about the status of my email to Customer Solutions. I spoke with XXXX who verified my accounts in question were closed with {$0.00} balances and were reporting to the credit bureaus that way. I asked to be transferred to another representative who may have insight behind the scenes of the systems hoping for a resolution. I was then transferred to Specialist 1, XXXX XXXX She reviewed my account further and said she could see the problem and believed the issue was on their end and tied to a credit suppression policy that was put into place during COVID-19. She said she would need more time to work with her counterparts and she would follow up with me in a few weeks once she resolved the issue. 

On XX/XX/XXXX I was contacted by Nelnet Specialist 1, XXXX XXXX She stated that unfortunately she was unable to resolve the issue with my account due to the credit suppression policy. She did not know when the policy would change allowing the closed loans to be correctly reported to the credit bureaus. I was advised to continue disputing the amounts with the credit bureaus as well as submitting a complaint to Federal Student Aid or Consumer Financial Protection Bureau. She also suggested I contact XXXX since the loans were originally consolidated and transferred to them. I explained that XXXX is accurately reflecting/reporting the loans as closed and with {$0.00} balances.
Product: Checking or savings account

I contacted Ally Bank regarding the freezing of my account with {$12000.00} USD. Over the course of eight separate calls, I was transferred to the fraud department, where I was informed that the matter would be " investigated. '' Despite my repeated efforts, I have not been provided with a specific reason for the account freeze, a timeline for resolution, or any ticket or case reference information. Additionally, I have encountered excessive wait times of 12 hours per call, which has made this process even more frustrating. 

This prolonged freeze has caused significant financial hardship, as I am unable to access my funds to meet essential obligations. The lack of communication and transparency in addressing this matter is unacceptable. 

I am requesting an immediate resolution, including a clear explanation for the freeze, a definitive timeline for resolution, and the prompt disbursement of funds as per my previous request.
Product: Debt collection

XXXX XXXX XXXX has sent out letters to collect a debt in the amount of {$4700.00} for capital one but I didn't authorize nor give consent for XXXX XXXX XXXX to have my personal or private information. While attempting to collect a debt that they aren't authorized to collect they used obscene and profane language and threatened to sue to me. They have damaged my reputation via my credit profile, caused me to miss opportunity for business growth. Due to this they have caused major stress in my family as well as my life. They have violated my federally protected consumer rights.
Product: Student loan

First of all, the compound interest is a joke. I am making {$320.00} payments every month and my balance keeps growing like weeds. Basically, my payments are just going into thin air towards ridiculously high interest rates. This is for private loans, no complains about government loans. 
Second of all, they are never willing to work with you on payments. For the longest time they would n't tell me I could use income based repayment plan and they made me do deferment and forbearance instead. They were not willing to lower payments even after I told them I went through XXXX and was struggling financially. They gave me an attitude when they saw a new car loan on my credit but when I asked them how they expected me to get to work when the bus took 2.5 hours, they had no good answer. 
Navient is not a student loan company, they are a modern day debtor 's prison!!! 

P.S. The school that I attended that pushed me into these loans at the age of XXXX and promised me gold mountains is just as bad as Navient. They are now closed and I am left with piles of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX XXXX  Reported : XXXX XXXX, 2017, 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 card or prepaid card

I called Capital One on XX/XX/2020 at XXXX to downgrade my Savor credit card to a Savor One as I did not want to pay the {$95.00} annual fee for renewal ( The renewal date for the card was XX/XX/XXXX ). The  service representative told me that I could not downgrade to the Savor One card ( others lesser downgrade options were available ) but I was eligible to have the renewal fee waived once it posted. Since I was not charged an annual fee when I applied for the card, I triple checked this with the representative who even checked with a supervisor who confirmed that this was true. 

I called in today ( XX/XX/20 ) to get the fee waived. They told me that they would not refund the fee and that there was no way to tell if would have been waived until it posted. When I asked to talk to a supervisor, they refused and said the decision is final. 

I never would have kept this card without the assurances provided previously by CapitalOne that the fee would definitely be waived. If they had told me this in error, they should have corrected this mistake immediately or at least researched the issue. I feel that I was defrauded by CapitalOne in a predatory manner and ask that the {$95.00} fee be waived. 

Please request the phone logs and recordings from CapitalOne as they will prove my account of what occurred is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.