23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We applied for a Home Equity Loan with Discover Home Loans on XX/XX/2023. We have credit cards and bank accounts with Discover and have had a relationship with them for several years so we thought this would be the best decision. We have never had any issues with the service they have provided until now. I have submitted all required documentation and some of the documents that I submitted on XX/XX/2023 are still pending REVIEW! 

I've called Discover a total of 7 times since XX/XX/2023 and this is quite ridiculous at this point. I've spent a total of 62 minutes on the phone with Discover because their portal is not updated with the most recent information based on what the reps have told me. I don't have time to call and sit on the phone. All of the reps that I've spoken with have been so nice and professional but the document collector XXXX XXXX needs to be replaced with someone that's more responsive and efficient for our file. I work in the mortgage industry so I understand how this process goes to a certain extent with needing to have all documents submitted in a timely manner to move the process along. I read that Discover could close in about 4 weeks if the customer stays on top of their to-do items. This seems like it won't happen since XXXX is unresponsive. We just want to tap into our equity to pay off some debt and get some matters in order for our family. Why is this so hard? This seems like the perfect case of disparate treatment and we don't appreciate being put on the back burner because we don't fit the criteria of most people who may be able to obtain and afford a home equity loan. Someone within the company needs to intervene and asap!
Product: Credit reporting, credit repair services, or other personal consumer reports

Per FTC sec 609 companies are not validating my credit account, they are simply verifying my information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Identity Theft and Unauthorized Collections on Credit Report Dear [ Collection Agency Name ], I hope this letter finds you well. I am writing to bring your attention to five collections that have appeared on my credit report, which are a result of identity theft. This unfortunate incident occurred on XX/XX/XXXX, when my car was stolen along with personal identification documents. 

I would like to clarify that I did not initiate or authorize any of the transactions associated with these collections. As the victim of identity theft, I have taken the necessary steps to report the incident to the relevant authorities, including filing a police report and notifying the Federal Trade Commission ( FTC ). 

Enclosed with this letter are copies of the police report and FTC complaint, providing evidence of the identity theft and unauthorized transactions. I kindly request that you review the information and take appropriate action to rectify this matter promptly. 

I understand that your role as a collection agency is to recover debts owed to your client. However, in this case, I am not responsible for the debts in question, as they were incurred fraudulently without my consent. I request that you remove these collections from my credit report immediately, as they are negatively impacting my financial standing. 

I have also taken additional steps to protect my identity and prevent further fraudulent activities. These actions include placing a fraud alert on my credit file, notifying my financial institutions, and monitoring my credit reports regularly. I encourage you to cooperate fully in this matter and help resolve the situation as soon as possible
Product: Checking or savings account

Every communication was documented in the files that I attached. 

on XX/XX/XXXX, I filed a dispute for {$980.00} of fraudulent charges made with my virtual card number. These charges were all done from XX/XX/XXXX - XX/XX/XXXX, while I was in XXXX  and had no access to my phone or computer. 

My dispute was originally denied and then my account access was restricted because they stated that I violated their terms and conditions for allowing my card information to be stolen. I escalated the issue to a manager and the dispute was reopened and a request for a refund was submitted to the merchants. 

on XX/XX/XXXX, I requested an update and recieved an email stating that I was issued a provisional credit of {$980.00} which was deposited in my account on XX/XX/XXXX. The email stated that the funds were available to use immediately while the dispute investigation was in progress. I then tried to access my account however, my access was still restricted from when the original request was denied. I reached out to support and they stated that I could ACH transfer to another account. I advised again that i could not access my account due to the account restriction and then they stated that I wouldn't be able to access the funds until the dispute process has completed. They refused to inform me why I was told that I could use the funds and they refused to let me know why I couldn't at least transfer to another account.
Product: Credit reporting or other personal consumer reports

The reporting of the account from XXXX XXXX XXXX # XXXX AT {$1800.00} FOR XXXX XXXX AND {$1800.00} FOR EXPERIAN AND XXXX, LISTED AS CHARGED OFF/ CLOSED. Is affecting me by reporting negatively on my consumer report and disallowing me the ability to use my positive history to obtain stability. This Account was written off discharged and paid. So now it's in VIOLATION OF MY CONSUMER RIGHTS UNDER 15 U.S.C 1681 ( e ) ( b ) and SECTION 604 15 U.S.C 1681b. 
Which also allowed the credit agencies XXXX XXXX, EXPERIAN, AND XXXX TO COMPROMISE MY IDENITITY. I DID NOT UNDER ANY CIRCUMSTANCE GIVE MY PERMISSION FOR THIS ACCOUNT TO BE FURNISHED ON MY CONSUMER REPORT IN THIS MANNER!! WHICH IS ALSO A VIOLATION OF MY RIGHTS UNDER 15 U.S.C. 1681c2.

I WILL PURSUE THE FULL LENGTHS OFTHE LAW UNDER 15 U.S.C.1611 FOR WILLINGLY AND KNOWING VOLATING THE LAW!
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered unverifiable, invalidated, inaccurate, and questionable items on my credit report, which caused XXXX XXXXXXXX upon me.
Product: Credit card

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX, and I earnestly hope for a swift resolution.
Product: Credit reporting or other personal consumer reports

XXXX. On XX/XX/year>, I made an arrangement with Ally Bank that I would make ( 3 ) consecutive monthly payments, my account would be closed and my interest would be reduced to 6 %. I made my payment on time, provided post dated checks and received a letter from Allly Bank confirming our arrangement. 
2. I noticed that Ally Bank in XX/XX/year>, failed to apply my post dated check. I called Ally Bank multiple times and was advised that my account was sold to XXXX and Ally refused my payments and failed to deposit my post dated check. 

This caused me to not be able to honor my arrangement, incur additional interest and my credit score significantly dropped which caused damage to me. This happened for 4 months Now I called Ally Bank today was advised by XXXX, that my account was sold to XXXX and I requested to speak to a Supervisor. XXXX came on the line and said XXXX made an error telling me my account was sold. XXXX also stated that Allys notes indicate they will not be sending me a manual lettter confirming our arrangement of {$100.00} for ( XXXX ) months and my account would be reported current. I want this letter!!! 

My account should not be reporting past due XXXX, XXXX, XXXX and XXXX due to Ally making a coding error and my account should never should have been sold. Also, I should not be charged any interest at any rate due to Allys multiple errors.

I want the CFPB to review Allys answers, review all the call recordings incoming and outgoing to XXXX for all the errors made and fine Ally Bank.
Product: Credit reporting or other personal consumer reports

Upon carefully reviewing my credit I have realized someone has been using my credit. I have reached out to creditors and beauro for this matter and they both have not helped me resolve the issue. I do not know who is using credit without my permission but it have been ongoing since XXXX
Product: Debt collection

NorthStar location services is calling me and leaving voice mails, NOT stating they are trying to collect a debt. The only reason they are a debt collection agency is because I researched their company name. I have asked to only be contacted via email or certified mail. I DO NOT want to be contacted by phone. Their website makes it impossible to pay or set up an account without a reference number which I have never received. I have no way of validating this debt apparently without talking to them on the phone which i DO NOT want to do. Repeated phone calls with vague voicemails and not stating you are calling about a debt is a violation of the Fair Credit act!!
Product: Credit reporting

My credit report with Transunion shows serious delinquency. All I am asking if I qualify to be seriously delinquent for being late for XXXX payments, which is atleast 3 years old and no late payments after that. How do you grade the latepayments? What happens to XXXX who is late for XXXX or more late payments, ( admit them to intensive care I guess ). I Called them typical answer is you have late payments nothing to be done. I do not agree to the methodology adopted to screen the customers this is not ethical to my unterstatnding
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Student loan

I have student loans beginning in XX/XX/XXXX thru XX/XX/XXXX. When it was time to reconcile my loans in XX/XX/XXXX, I wasn't working and when I called Navient to see if I could make $ XXXX monthly payments, they put me on forbearance. I had no idea what this was but it eliminated my payment so I went along with it. This also happened in XX/XX/XXXX and XX/XX/XXXX. I was willing to make minimum payments of up to $ XXXX/month, but was not given that option. I also had no idea that interest was accumulating at a rapid rate and as of this date I owe {$1800.00} in interest. 

When I decided to look into what my options were, I was shocked to learn that there were 4 different income based plans that I could apply for. These were never explained to me. 

Recently I lost my job and called to ask if my $ XXXX/month payment could be lowered, I was told no that I would be put on deferment. I think this is terrible that I am willing to pay a monthly payment but am being told no. I am not sure what this is doing to my interest. Would the interest amount be different if I had been making small monthly payments the past 3 years? I want to file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting actXX/XX/XXXXXXXX XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX XXXX, XXXX XXXX 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 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
Product: Credit card

I have been trying to close my arrival + Barclay credit card for the past two days. When i call their office i am passed around to different people who say they are having issues canceling my card. It appears that they are having a system issue that is not allowing accounts to be closed. This system issue has been going on for days according to someone i spoke with at the company. They do not know when the issue will be resolved and when i will be able to close my account. They have requested that i call them back in another 24/48 hours.
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 : DPT EDXXXX Account Number : XXXX Account Name : XXXX 
Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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: Credit reporting

Sent in dispute to Equifax that my loan was paid off and that XXXX loan was off my records as well as XXXX, still have n't seen a correction of my score or fix as well as my credit keeps getting ran under both bereaus and my score keeps getting lowered causing me not to be able to afford another nice car and or get into my own house. 
It has ruined my chances of a loan cause people ask if it 's a repossession or a paid of repossession, and it 's not the account was paid off in full after being totalled by me. Has n't been corrected with the bereaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the company to do an investigation regarding ( Late Payments ) that were made. They were sent proof in the form of bank Statements and Letters from the bank. 


XXXX XXXX XXXX and XXXX XXXX are Inquiries that were not authorized
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate XXXX  Reporting on Credit Report Dear Consumer Financial Protection Bureau Representative XXXX I am filing a formal complaint regarding an inaccurate and fraudulent XXXX XXXX XXXX that has been reported on my credit file. Despite my efforts to dispute this with the credit reporting agencies, this information remains on my report. The details of the XXXX XXXX  are as follows : Type : XXXX XXXX XXXX  Status : Filed Date Filed/Reported : XX/XX/year> Reference Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon discovering this inaccurate reporting, I contacted the XXXXXXXX XXXX XXXXXXXX for verification. On XX/XX/year>, the court responded, stating that they do not have jurisdiction over credit reporting agencies. Additionally, they confirmed that they do not report bankruptcy filings to credit bureaus nor are they responsible for third-party use of such information. 

Furthermore, I am a victim of identity theft, and this fraudulent XXXX  may be a direct result of such activity. I have attached the following supporting documents : FTC Identity Theft Report : FTC Report Number XXXX. 
XXXX XXXX XXXX : My personal information was compromised due to a data breach by XXXX XXXX XXXX. 
Police Report : Filed regarding my stolen wallet and fraudulent financial activity ( XXXX XXXX XXXX ). 
Unauthorized Financial Activity : Checks were written without my authorization, resulting in closed accounts due to fraud. 
XXXX XXXX : A fraud alert has been placed on my credit report to prevent further unauthorized activity. 
This bankruptcy is inaccurate, unverifiable, and fraudulent. As per the Fair Credit Reporting Act ( FCRA ) 1681i, credit reporting agencies are required to investigate and remove any inaccurate or unverified information. Despite my dispute, the credit bureaus have failed to properly investigate and continue to report false and damaging information about me.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company called Credit Plus made three inquiries on my credit report on three consecutive days. I never gave them permission to do so.

They then supplied my credit scores to a lender but the scores they provided were over 50 points lower than my actual scores.

I
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I have been disputing a DISMISSED bankruptcy that is reporting on my credit report. The bureaus have never once responded out to any of my disputes or advised me if the account was verified which it legally can not be since the bankruptcy court can't verify it! I not only disputed on XX/XX/XXXX but also on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and again today on XX/XX/XXXX. I have also file 2 complaints with you about them not responding and I STILL have nothing!
Product: Checking or savings account

I am filing a complaint against Chase Bank regarding an {$800.00} charge I was forced to pay due to a fraudulent encounter with XXXX XXXX XXXX XXXX XXXX. The incident took place on XX/XX/year>, when I visited the office for a XXXX. Despite receiving no actual procedure or service, I was forced to pay {$800.00} under duress. Here are the details of the situation : 1. Initial Encounter : I went to  XXXX XXXX for a XXXX XXXX, which I had already discussed with the receptionist, and they confirmed my insurance would cover the procedure. However, XXXX XXXX stated that the procedure would cost {$2600.00}, which seemed unreasonable to me, especially since I had just paid the same amount for XXXX XXXX XXXXXXXX XXXX XXXX  and I was looking to just receive a XXXX. 
2. Refusal to Provide Service : I decided not to go through with the procedure and informed the dentist that I would wait for my primary dentist to return from paternity leave. Despite this, I was told I owed {$800.00} for a service I did not receive and was not allowed to leave the office without paying. I paid the {$800.00} out of discomfort and confusion. 
3. Dispute with Chase Bank : Immediately after leaving, I called Chase Bank to dispute the charge. They opened a claim, and I was reimbursed for the {$800.00} on XX/XX/year>. However, on XX/XX/year>, the charge was reversed, so I called back asking why this was and reinstated the situation to the representative and I was told to wait another 5-7 business days so the claim can be re-opened. Despite multiple follow-up calls over the course of two months ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), no progress was made in resolving the dispute.

4. Poor Customer Service : During these calls, I was repeatedly told by Chase representatives that my claim would be reopened in 5-7 business days, but each time I called back, the issue remained unresolved. On XX/XX/XXXX, a representative named XXXX even hung up on me. After escalating the issue to a supervisor, XXXX, I was told they could no longer dispute the charge and suggested I take action elsewhere, which was very frustrating given the time I had spent dealing with this situation through Chase Bank.

This ongoing issue has left me extremely frustrated, especially considering that I was initially led to believe Chase Bank would help me resolve this dispute. Now, after nearly two months of constant follow-up and being repeatedly misinformed, I am unsure how to proceed with getting my money back and whether I can trust Chase Bank to handle situations like this in the future.

I request that the CFPB investigate this matter and assist in ensuring that Chase Bank properly handles the dispute and refunds my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681s2 A person shall not furnish any info. About the consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ; ( b ) the information is, in fact, inaccurate 15 U.S. Code 1666b creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Improper investigation into existing issue Law states that : The term investigative consumer report is information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported They didnt speak w/ any neighbors, friends, or associates so the investigation isnt valid
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and experian has some inquiries and accounts on my credit report that are not mine. 
last four of social that is not mine : XXXX not mine INQUIRIES that are not mine : XXXX XXXX  XXXX not mine XXXX XXXX XXXX- not mine XXXX not mine XXXX XXXX XXXX-not mine XXXX XXXX-not mine XXXX XXXX XXXX- not mine XXXX XXXX XXXX XXXX not mine XXXX-not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX  XXXXXXXX XXXX XXXX- not mine XXXX XXXX XXXX XXXX not mine XXXX not mine accounts that are not mine : Creditor : XXXX XXXX XXXX Account : XXXX I have no knowledge of this account XXXX  XXXX XXXX Account : XXXX I have no knowledge of this account Creditor : XXXX XXXX XXXX Account : XXXX I have no knowledge of this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX