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

On XX/XX/XXXX 2017, Rozlin Financial Group L placed a fraudulent debt on my credit report. According to my credit report, this alleged debt is for {$66.00} and the original creditor is XXXX XXXX XXXX XXXX XXXX. I have only been to one physical therapist in my life, and I spoke with them about this matter after I found this on my report. They told me that they knew nothing about this, and that they had not submitted any debt to any collection agency. They further told me that ALL of my treatments were paid in full by my insurances since I have both medicare and medicaid. I do not, nor have I ever had an outstanding bill with this or any other physical therapy company. If the bill were owed, I would have paid it, but I will not be paying a fraudulent bill. Furthermore, I was not informed of this bill either before or after it showed up on my credit report. I was not contacted by telephone or by mail with any bill by any of the parties involved. I was not given any opportunity to resolve the issue before it showed up on my credit report. I am not certain whether this fraudulent debt was acquired from the original creditor, XXXX XXXX XXXX XXXX XXXX or if it was purchased from the original debt collector, XXXX XXXX XXXX. I do not however, appreciate that this is the second time this fraudulent debt was added to my credit report, adding a second collection for the same fraudulent debt to my credit report. I want this fraudulent debt removed from my credit report immediately. I have worked too hard to increase my credit score only to have false statements from these people wrongfully lower my credit score.
Product: Bank account or service

CHASE Bank sent me a letter indicating that it had decided to close a checking account that I opened with it over three years ago. When I contacted the bank seeking an explanation, XXXX consecutive representatives told me that no explanation was forthcoming stating that it was within the bank 's purview to close my account without giving me a reason why. 
In trying to find a reasonable explanation of the bank 's action, I explained to at least one of the representative that I 'm a XXXX person and that the money coming to this account is mostly from social security and from a part-time job I have as an XXXX, and that most of the withdrawals I make are to pay normal pecuniary expenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Main company : XXXX XXXX XXXX ( {$160.00} ) Collection agency : XXXX XXXX XXXX XXXX  Reason : Fraudulent Charges Date : XX/XX/XXXX ( Last Reported : XX/XX/XXXX ) Description : I never rented an apartment from XXXX XXXX, I or my family members never stayed for a day at the XXXX XXXX. I am a single mom with XXXX young children. This apartment manager was raciest who threatened me to destroy my credit because he did not like to answer my questions before I rent their apartment. On the name of form fee they charged me this {$160.00} fee.
Product: Credit card or prepaid card

On XXXX XXXX XXXX  I used my Chime Credit Builder Visa card to make a {$190.00} purchase. This amount was authorized on that date on XXXX. 
On XX/XX/XXXX I picked up that order, but the final cost was {$69.00}. So when XXXX settled the transaction on XX/XX/2023 {$120.00} was released from the originating transaction by XXXX. 
Chime then placed that authorization release of {$120.00} as an Authorization hold on their own, with no new transaction issued by XXXX. 
Since then, Chime has refused to release this unauthorized authorization hold for an additional 7 days, I believe, illegally, since I never authorized an additional transaction in the amount of {$120.00}. I have email documentation from XXXX 's billing department, as well as a screenshotted chat with Chime Customer Service essentially admitting that the authorization hold was illegal as XXXX " cancelled '' the originating transaction prior to it settling, and that an authorization release " is an authorization hold ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017, I filed a dispute with TransUnion in regards to an account that was being reported negatively. I have been seeking validation on this account for over 2 years with no physical proof that this account has been verified. TransUnion simply stated " Verified as accurate '', yet I have not been provided with any such documents by TransUnion proving this to be true. TransUnion has continually failed to show actual proof of the original documents of a signed agreement that was used in the alleged opening date validating the account belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  and Equifax credit reporting will not remove accounts over 7yrs old. The account was included in my bankruptcy and the account is well over 7 yrs old. I have disputed with both credit companies but they say the information is accurate. This is not true cause anything over 7yrs old is supposed to drop off your credit.
Product: Credit card or prepaid card

I have had a credit card with Chase Bank since XX/XX/XXXX. I have never had a late payment or a returned payment. I make several payments on the card monthly. Since XX/XX/XXXX Chase will post the payment to my account/make credit available and then the next day put the payment on hold and remove the payment from my available credit. This causes issues because purchases start to be declined. Chase gives me no justifiable reason why they done this.
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 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Experian 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 supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if 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 supposed 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.
Product: Credit card

In XX/XX/XXXX, I requested Capital One Bank to stop sending unsolicited credit card offers ; however, I am still receiving these offers after repeated requests to cancel/stop. The latest offer I have received was XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax inquiry dispute and they didnt come back within the XXXX to 45 day According to the fair credit reporting it if they dont respond within XXXX to 45 day mark weather inquiries or factual or unauthorized It doesnt matter because if they dont respond within a XXXX to 45 day mark inquiries must be deleted by law And they have not been deleted yet its been longer than 45 days they keep coming back after 45 days saying incorrect information my next step is to go to the federal trade commission if these inquiries are not delete it because Equifax is not following the law that gives them 35 to 45 days to respond And they are not following that law I sent my dispute in XX/XX/2021 and they came back With False information on XX/XX/2021 they keep giving me the runaround behind the inquiries and theyre not following the law they must delete it because its the law according to section 609 of the fair credit reporting act they have not provide any proof of my inquiries nothing bearing my signature Also Anything unverifiable or in accurate must be deleted the inquiries are inaccurate and unverified because they sent me nothing bring my signature according to 609 Section 609 of the fair credit reporting act so because of this this also must be deleted And if the inquiries are factual send me Proof
Product: Student loan

Hi CFPB, I am submitting a new complaint as to my previous student loan servicer, Navient. They responded that they stopped servicing my loan in XXXX. They are incorrect. 

I received the attached notice from Navient on XX/XX/XXXX that my loans were going to aidvantage. This did happen and I'm making payments to aidadvantage now. Even if Navient did stop servicing my loan in XXXX, then who was? It would be their responsibility to let me know and again the notice I received from them as mentioned stated they were. If they were not, then I'd like to know who was. 

As to my experience with Navient they misrepresented that my payment would go entirely to interest. Their practices on gaining more interest payments for the company is unethical. I never would have agreed to that arrangement. 

I am requesting again forgiveness of my loan or a decrease in principal. If this is something handled by the CFPB " only '' then please provide this information. 

I have been paying student loans for years. I am XXXX now. Navient 's practices were unfair. 

Many thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute several hard inquiries that appear on my Transunion credit report. These inquiries are unverified, and I did not authorize any of them. As such, I request that they be removed from my credit report immediately, in accordance with my rights under the Fair Credit Reporting Act : XXXX. XXXX XXXX  ( XXXX ) XX/XX/2024 XXXX. XXXX XXXX XXXX  ( Bank ) XX/XX/2024 XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Ive Recently Reviewed My Credit Report Again And I Notice Several Fraudulent Accounts On My XXXX Ive Already Reached Out To These XXXX  People And They Are Not Responding Or Sending Correct Documentation To Prove These Accounts Are Mine. I Want All These XXXX  Accounts Removed Of My Credit File It Is A Violation Of Of FCRA 605b(15 U.S.C. $1681c-2) Everything That Has Been Identified As Fraudulent Needs To Be Removed Within 4 Business Days Of zThis Notice. This Is Unacceptable At All Levels. Once Removed I Need Everything Emailed To Me Immediately..!!!!!!! Email XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Its Several Inaccurate Information And It Needs To Be Gone Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve these issues with XXXX XXXX from XXXX. Last time I tried to resolve the issue was just last month XX/XX/XXXX and the Dept of Justice, XXXX XXXX 's office rep also tried to send them a letter regarding this issue. XXXX did not correct the problem. 

XXXX financed a fraudulent loan with XXXX Financing which I came to be aware of after the Class Action Lawsuit was filed against XXXX. I was misled and was given wrong information about the XXXX employment to secure this loan. XXXX has ruined a lot of people 's credit by practicing unfair Auto Loans. Financing is illegal if lenders do not have a basis for believing that customers will be able to repay loans as scheduled
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, I have been trying to purchase a home since XXXX, XXXX through a financial institution in XXXX XXXX. I submitted a credit authorization form to XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX  signed on XX/XX/XXXX. XXXX XXXX XXXX  ran my credit on XX/XX/XXXX. The credit authorization letter was valid for 90 days. XXXX XXXX XXXX  ran my credit again without my authorization on XX/XX/XXXX. I spoke with the president of the company XXXX XXXX and I questioned about the hard credit inquiry and the only explanation he gave me was that the they had to run it again because the other inquiry had expired. I told that I did not authorize the credit check and that they should of had asked me first before running a credit check. He said, that they wouldn't run it again. Well, today we are still in the approval process of the mortgage since XXXX and today they ran my credit again without my authorization. I would like to report this company for not complying and running credit checks with prior authorizations. When I spoke with Mr. XXXX in XXXX I was very clear with him about not running my credit again and still XXXX XXXX XXXX ran it again. Is not my fault that they are taking these long to give me an answer whether if the loan is approved or not. Everytime they run my credit it affects my credit score.
Product: Credit reporting or other personal consumer reports

Equifax is not allowing me access to my credit report and records of the disputes. When I log into the portal and request free credit report because I am on public assistance and applying for employment within the next XXXX  days. The portal just continues to deny access to me viewing my credit report and states no " indicator on file ''. I can not see the history of my disputes to know the status. When I log into the portal is also states the wrong name, so I am not sure if they are mixing my file with another individual or what. I would like to be able to see my XXXX XXXX XXXX, freeze status and fraud alert status. I should be able to use the security free and fraud alert function IF I need to, but the website is not giving me any option to do so and when I call Equifax they state there is a " glitch '' in the system, but they have been using this excuse for over XXXX  months when I ask for my credit report. Equifax is in receipt of my current government issued identification and social security number.
Product: Debt collection

I recently reviewed my credit report ( because I became suspicious after receiving various calls from countless collection agencies calling my house ) on XXXX XXXX, XXXX, via XXXX and therefore, I became aware of odd credit card accounts lodged on my credit report which does not belong to me. I am classifying this incident as a breach of my personal identity and thus reporting this as fraudulent activity against me. I was a prior victim of identity theft back in XXXX, while XXXX during my eleven and a half years in XXXX XXXX ( this situation seems to be never ending ). Now, I am finding out I have fallen victim to the same circumstance like XXXX incident, in which my mother filed the police report on my behalf during my XXXX and placed various fraud alerts and a credit freeze on all three credit files, plus reports with other government agencies. I have filed an online identity theft report with www.identitytheft.gov, ref # XXXX ; filed a credit bureau fraud alert at XXXX  confirmation number : XXXX ; and filed a fraud alert with the Federal Trade Commission at www.consumer.ftc.gov, ref # XXXX. I did not authorize, collude, conspire, or give authorization, or grant permission for anyone to open up any credit card account in my name, nor did I have prior knowledge of any accounts opened in my name.
Product: Checking or savings account

On XX/XX/2023 at approximately XXXX I received a call from a phone number that I recognized as my bank. I answered the phone and they informed me that my account was being flagged for suspicious activity and needed to verify transactions. It ended up being a scammer and they gained access to my account which they used to make XXXX fraudulent transactions in less than an hr for a total of {$2900.00}. They included an {$800.00} XXXX to themselves as well as XXXX consecutive transactions at a XXXX in XXXX, XXXX where they got {$100.00} cash back on every transaction. I live in NC and was at my residence at the time of the fraud. I filed police reports with XXXX different jurisdictions. I initially filed in the county that I live in and then they said that since the crime happened in Massachusetts, they had to forward it to Massachusetts and so I have reports from XXXX different police agencies, confirming that it is indeed fraud. With photos of the individual. I submitted this information to Chime and they denied my claim in less than XXXX hours.The same individual also got my wife for XXXX transactions at the very same XXXX and Chime investigated her transactions for a month and ended up finding that they were fraudulent, and they gave her her money back. Same scammer, same XXXX, and around the same time. But she had significantly less money that they could get. But my claim has been denied in less than XXXX hours every time. And this most recent time it was denied in about XXXX hours, and I provided both police reports with the photographs and all the evidence that they had. There were no security, features enabled, I got no alerts, I had no idea my money was even missing until the next morning. Chime did absolutely nothing to protect my money and now theyre refusing to give it back. Despite overwhelming evidence of fraud provided by XXXX different police departments.
Product: Mortgage

Within 5 business days I would like to know from Mr. Cooper if it is participating in CA Mortgage relief Program or not? I called your customer service today and spoke with XXXX Escalation Manager in Mr. Cooper. She doesn't know anything about this program. 
You can go on their website at XXXX XXXX XXXX ( Also see attached exhibit A ) As you are a Mortgage servicer, you can also contact with them on this email - XXXX It is very imperative for me to know about this. 
Within 5 days of you receiving this information, reply to me with explanation that are you participating in this program or not, and if not, whats the reason that you are not participating in this program? 
I can be contacted on the phone number XXXX or on the email XXXX thanks XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Cash app has a feature where you can borrow money. Its says on the app that once you pay off your current loan, you can then borrow again. Ive experienced this and have been able to borrow immediately after paying off a loan. For some reason this time after repaying the loan cash app wont update that Ive paid off the loan. It continues to say that I cant borrow with an outstanding loan, even though ive just paid off my loan. Its not as if the borrow feature is no longer available ( it says {$300.00} is my borrow availability ). It literally just wont update to me being able to borrow. Ive tried messaging two people on cash app and I've called cash app, all three people said it has to go to the lending team and that I would get an email immediately, but for some reason they cant give me the lending teams email. I have received no email from said lending team and have gotten no clarity on this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly disputed and requested verification and validation of the debts listed below for over two years now. Experian has responded only with improper verification form letters that provide no backup  documentation or proof of this debt being mine. 
During this time, I have experienced the adverse results of your erroneous reporting, including denial of credit and housing, reduction and closure of credit lines, loss of property, near foreclosure, incurrence of usury interest charges, and emotional distress. To properly validate a debt by law, Experian must provide me with a copy of the original contract signed by and obligating me to this debt. If Experian can not provide such proof of debt validity, the account must be deleted form my report. Experian has negligently and willfully failed to properly investigate the disputed debts, and is in violation of sections 611 ( a ), 616, and 617 of the FCRA, 15 U.S.C. 1681i ( a ), 1681n, 1681o, subject to a {$1000.00} fine for each instance. 

Acct Name Acct # Status XXXX XXXX XXXX .... Not Validated XXXX XXXX XXXX XXXX .... Not Validated XXXX XXXX XXXX XXXXXXXX XXXX .... Not Validated XXXX XXXX XXXX XXXX   XXXX .... Not Validated
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to Equifax, XXXX at XXXX XXXX XXXX, XXXX, GA XXXX on XXXX XXXX. 

It was accepted and signed by XXXX XXXX. 

I complain to Equifax that they were report dual late for same account. I had a XXXX Credit Card that was late on XX/XX/XXXX which was transfer to a XXXX Credit Card. I noticed on my Equifax report its showing both accounts with same late. 

Neither XXXX  or XXXX, XXXX are showing this obvious error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus lastXX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX -.
Product: Credit reporting or other personal consumer reports

I am writing to formally contest an unauthorized inquiry into my consumer report conducted by Ally Financial on XX/XX/year>. This inquiry represents a clear violation of the Fair Credit Reporting Act ( FCRA ) for the following reasons : Unauthorized Access : As stated in 15 U.S.C. 1681b ( a ) ( 3 ) ( F ) ( i ), my consumer report was obtained without my consent or any lawful purpose. I have not engaged in any transactions with Ally Financial that would justify this inquiry.

Lack of Proper Certification : Under 15 U.S.C. 1681b ( f ), the purpose for accessing a consumer report must be certified. There is no indication that you complied with this requirement when obtaining my report. 

Consumer-Initiated Transactions : According to 15 U.S.C. 1681b ( c ) ( 3 ), inquiries related to credit or insurance must be initiated by the consumer. I did not initiate any transaction with your company that would warrant such an inquiry. 

False Pretenses : As outlined in 15 U.S.C. 1681n ( a ) and 1681q, knowingly obtaining consumer information under false pretenses can result in severe penalties. This inquiry appears to fall under this provision, as it was conducted without valid grounds. 

Liability for Noncompliance : Per 15 U.S.C. 1681n ( a ), individuals or entities that willfully fail to comply with the FCRA can be held liable for damages. I am entitled to either actual damages incurred or statutory damages of {$1000.00}. 

Given these violations, I hereby request the immediate removal of the unauthorized inquiry from my consumer report : Inquiry Date : XX/XX/year> Company : Ally Financial Additionally, I am seeking a settlement of {$1000.00} for the damages associated with this violation. 

I urge you to resolve this matter promptly to avoid further action. I look forward to your timely response. 

Payment Instructions : Check, Direct Deposit or XXXX