23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

MY IDENTITY WAS STOLEN SO A FRAUD ALERT WAS PLACED ON MY CREDIT. I AM NO LONGER ABLE TO OBTAIN A CREDIT BECAUSE THE TELEPHONE NUMBER ON THE ALERT FILE IS WRONG SO THE CREDITORS ARE UNABLE TO CONTACT ME TO VERIFY MY IDENTITY. I HAVE TRIED TO CORRECT THE WRONG INFORMATION BUT WAS UNSUCCESSFUL.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the XXXX  to remove XXXX XXXX for a account that was settled and supposed to be removed from the credit report but still appears
Product: Payday loan, title loan, personal loan, or advance loan

I used affirm to pay for a hotel room booked through XXXX. When I went to go check in with the hotel they informed me that there was no reservation created. I have tried disputing this to affirm but they keep siding with the merchant XXXXo despite all the evidence I have provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, State Zip : XXXX P.a XXXX Email Address : XXXX 15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the comsumer identifies information that resulted from the alleged identity thief, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATIONS!!!

Under 15 U.S Code 168b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection any consumer reporting agency my furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Debt collection

On XX/XX/2018 I received two calls from Chase Card Services within 1 hour. In both cases I identified myself as the correct party and even advised the 2nd debt collector that she was in violation of FDCPA as she proceeded with call as if it was no big deal. I demanded to speak with a supervisor and spoke with XXXX ( team leader ID : XXXX ) in the XXXX XXXX office on Monday, XX/XX/2018 who apologized and requested I contact her should this happen again which I plan to do today since I received a call @ XXXX XXXX  which I did not answer, then again at XXXX which I answered and identified myself and during his speech I hung up as it was not the right time to discuss this and then AGAIN at XXXX XXXX ( XXXX ID : XXXX ). I explained to XXXX that she was in violation and proceeded with collection efforts. At this time, I intend to proceed legally as the debt collectors are clearly not apologetic or upset that they violated FDCPA and I have brought this to the attention of management.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed payments by 2-day priority and it arrived in time. I was reported late because someone didn't apply my payment for several days after they received it and I was reported late. I am being reported late in XX/XX/XXXX because the post office made an error by putting the wrong letter in my 2-day priority payment. I tried to explain what happen, but I am being reported late again. This is not my fault, but they won't listen.
Product: Credit card

I have a credit score of XXXX. 

I applied for an Amazon credit card. 
Chase ran me through the ringer over the course of a month. 
Made " me '' provide credit reports from the 3 agencies. 
XXXX sent report and I provided to Chase. 
XXXX said they could not find me in the system. 

Chase went to underwriting and ultimately denied me. 
I have many credit cards and all have been in pristine status for YEARS!! 
I can not understand why Chase/Amazon has denied me a credit card. 

I FEEL DISCRIMINATED AGAINST! 
And Chase will not document why I was denied. 

Chase bank location : XXXX XXXX XXXX XXXX, Washington XXXX Chase Bank reference number regarding this debacle # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not do their due diligence to protect data and lost over 143 Million social security numbers
Product: Money transfer, virtual currency, or money service

received a call about a fraudulent charges on my account that I was not able to see and they said it was because they were stopping it. They knew information of mine that I felt only the bank should of known. They sent me access codes but I did not notice that one of them was a XXXX number. They withdrew {$3500.00} from our savings account. I reported it to the bank but they denied the claim and said they would try to contact the recipient to see if it is true.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's 4 collections on my Equifax Credit Report from XXXX XXXX XXXX I requested proof of those 4 accounts none was sent. 
I filed an FTC report and the collections were removed and deleted from my XXXX  credit bureau however Equifax is still showing them on my credit bureau I need them to be deleted as they're fraudulent accounts.
Product: Debt collection

Hunter Warfield is price gouging. I have attempted to settle the debt. The company continues to raise the price. The first settlement was XXXX then XXXX now it 's XXXX. I paid XXXX to the original debt at XXXX. The company was sold now hunter Warfield is trying to from them and take advantage of my situation. The rent owed was XXXX of which I paid XXXX before I left ( courthe documents prove ). Now, there were clothes on the floor when I left that 's it. Carpet must be changed for each Tennant as per tn state code yet they charged me for carpet. I was actually in my last month of my lease so there were no extra charges. I am willing to pay a fair amount, XXXX is ridiculous expecially since the company no longer exists.
Product: Student loan

On XX/XX/2024 I called Mohella customer service to request information on repayment plans for a 10 year standard as well as IBR which are both eligible for the PSLF program. I was informed by a representative that the 10-year standard repayment takes longer to process up to 100 days compared to an income based payment plan which takes 16 days even though the10-year standard plan does not require much paperwork such as tax information for an AGI as does the XXXX. I requested to speak to supervisor and received a call back an hour later. During my conversation with XXXX ID # XXXX I was provided an amount for the 10-year standard as well as the ICR. By comparing the amount the ICR seems to have been s better option because of a lower monthly payment however when I did the calculation online the amount came out to almost double of what I was quoted which was around {$1200.00} a month. Online the amount for ICR came out to over {$2500.00} and the Standard payment option was for 27 years rather than 10 without any option to change the length of time. I called the call center back at Mohella to speak to representative to obtain accurate information or discuss why there was such a difference from what was quoted via phone by a representative versus the online calculator and did not want to submit a request to only find out later that it was a higher amount. This would only delay the process. I called numerous times and got dropped off and when I did reach a representative I was told that I would be transferred to someone who was more skilled to answers this questions but got hung up on again. I eventually reached a rep named XXXX who I was on the phone with all afternoon only to find out that she did not know the reason why the amounts were different and I would need to speak to a supervisor at a resolution call center to obtain accurate information. We waited for over three hours and eventually she told me I would receive a call back ( true ) and could pick a time for a call back ( false ). She transferred me to an automated system and before I could input in my phone number the call was dropped. I am beyond frustrated how these student loans are being handled and the inaccurate information that is provided which only leads to significant issues down the line when applying for PSLF.
Product: Debt collection

My complaint is 1. Notice of Error & Request for Information Certificate and mailed sent to Selene Finance XX/XX/2022 refuses to answer request, I've been trying to get information for over two ( 2 ) years 2. Attempted to due an Non-judicial foreclosure sale without answering Validation of Debt/proof of Claims and all other information that was requested 3. Did not inform me that the Debt that they are attempting to collect is time-barred Debt pass Texas 4 yr statue of limitations and the 6yr Federal statue of limitations to 4. Placed and recorded incorrect assignments on land records attaching itself to a judgement order 5. Attempted to foreclose on Servicing rights only with no evidence of transfer of the Debt 6. Standing in position of Holder in due cause on accelerated defaulted debt, time barred for more than 9 yrs according to the Transferred and or assigned.
Product: Checking or savings account

I have been getting hit with multiple over draft charges. The day my cheek is in my account they will continue to charge overdraft charges XXXX dollars a piece by the time I pay bills I end up in the negative I've been in this loop for months I have tried everything thing I can to get out but with thousands of dollars in overdraft charges I can't seem to get there. They seem to promote no overdraft but I can't get ahead from there fees
Product: Credit card

On XX/XX/year>, I applied online for Chase Freedom Unlimited credit card issued by Chase bank, application reference number XXXX. My application went pending and I received an automated email stating that the bank needs a copy of my government issued ID showing my date of birth and current address. I promptly submitted a copy of my state issued ID proving such information. I called the bank to check if they received my uploaded documents and the bank confirmed that they received them and provided me with my application reference number and a phone number to call to speak with the team that processes applications. I called the number provided and spoke to a customer service representative that confirmed again that they received my uploaded documents and put me on hold, then came back and said something to the effect of " The bank doesn't like what you submitted '' and I need to visit a Chase branch to meet with a banker in person and provide them with the same information. I told the agent on the phone that I uploaded a copy of state issued ID which has my date of birth and current address, and that information matches the information on my application and credit reports which the bank pulled ( the bank pulled both XXXX and XXXX ). The agent didn't provide any further explanation and recommended that I go online to check the nearest branch and speak to a banker. I suggested providing other documents to confirm the information like another photo ID or bill but the agent wasn't interested.
Product: Credit card

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax never fixed any error in the name and address, despite being disputed many times, in the personal information section of credit reports as of XX/XX/2022. Why did Equifax insist on everything has been reported correctly but not fix the name error on the website? Isn't the online account managed by Equifax? Since such mistakes were always recurring, how did Equifax stay in compliance with FCRA regulations?
Product: Student loan

This is just XXXX of the XXXX late payments that they reported to the credit bureaus Account Details Last Reported XXXX XXXX, XXXX Creditor Name FEDLOAN. Account Type Student Account Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Limit -- Term 146 Months Monthly Payment {$0.00} Responsibility Individual Balance {$3200.00} Highest Balance {$3000.00} Payment Status Current Worst Payment Status 60 Days Late Date of Last Payment -- Amount Past Due $ 0 Times 30/60/90 Days Late XXXX Remarks Dispute resolved ; reported by grantor. With no monthly payments, am current, no date of last payments, how can I be late on those payments?? FedLoans was opened XXXX XXXX last reported XXXX/XXXX/XXXX They need to furnish me with the POLICY/ GUIDELINE manual for XXXX, I want proof that I was late 60 days, and how and why, and the exact timeframe from XXXX in which they are required to report, when they are stating in my credit reports I was late on XXXX different FEDLOAN reportings on my credit reports with all XXXX late at 60 days, a payment of 60 days! in which was in deferments or forbearance at that time, also I had spoke to a CSR and they stated they do not report to credit bureaus until after 90 days!!! If they can not they need to remove all that they have reported to the credit bureaus immediately!!! It adds up to about {$35000.00}!!
Product: Credit reporting or other personal consumer reports

I believe that my information is being misused and reported as inaccurate and I am filing this complaint to EQUIFAX. In my credit report from XX/XX/2024, I still found these derogatory items that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

For the second month in a row, Bank of America has misapplied my mortgage payment to principal reduction instead of my monthly payment, even though I was using their online system correctly. When I called the customer service line to try to have their mistake corrected, I was placed on hold for 53 minutes before a representative answered my call. While speaking with her, the call was suddenly terminated. A recorded message played : " Due to extenuating circumstances, representatives are not able to take your call at this time. Please try your call again later. We apologize for the inconvenience. '' This is completely unacceptable. In a bank as large and profitable as Bank of America, a customer should be able to make his/her monthly mortgage payment in a straightforward way. In fact, once a loan is originated, the customer is captive to the servicer, and therefore, the loan servicer is obligated to provide the customer an error-free system for making payments. In the rare event an error occurs, the servicer needs to fix the problem with an apology to the customer. Furthermore, any system changes should not be disruptive to the customer. Instead, since Bank of America 's recent mortgage system change, I have experienced hassles and headache, now two months in a row. Bank of America 's system flaws are potentially harming me by making me late on a mortgage even though I have paid ahead. 
Please change my payment from principal reduction back to my monthly payment, as I designated in the online Payment function. Please fix your system issues that are causing these problems.
Product: Debt collection

According to the Fair Credit Reporting Act ( FCRA ) Section 605b. It is illegal to report Information on my credit report without my permission. Please remove this item from my credit report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App block , inc due to the inadequate, customer service and unfair practices, which violate the consumer financial protection act CFPA specifically Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error, resolution requirements under the electric fund transfer at EFTA and regulation E these actions have called significant inconvenience and financial loss and I seek appropriate red dress for these violations
Product: Credit card

I applied for a Capitol One Wal Mart credit card some time in XXXX and was approved. The card was sent in the mail, but I was debating whether to use it or not and never activated it. This month, I started getting text messages from Capitol One stating my payment was late. I called them today and explained that I never activated the card and they told me it had been automatically linked to my Wal Mart account and was my default payment method. They confirmed that I never activated the card but also that the card was being used on Walmart.com and that I owe over {$700.00} plus late fees. I asked how I would have known that the card had been linked to my account and they said the only way I would have been notified is if I had the Capitol One app. I don't have the Capitol One app because I never activated the card and didn't realize it was being used right away. Neither Capitol One nor Wal Mart asked for my consent to link the new card or even notified me that it had been linked. The customer service representative helped me for about XXXX minutes before hanging up on me. I just trying to understand how an unactivated card was allowed to be automatically added and set as my default payment method without anyone notifying me. I feel like is a really sneaky method of getting people to put themselves into debt. I'm not even an old person, so I can only imagine how hard that population is getting hit with this trick.
Product: Consumer Loan

Santander has completed an illegal repossession and sale in Illinois The lender is required to send a notice of repossession and sale and no notifications were sent so it is an illegal repossession
Product: Checking or savings account

I bank with Chime and I had an scammer whom took My money {$2100.00} He first took {$100.00} and then proceeded to take another {$2000.00} transaction. He was texting me and acting as an chime representative. He told Me he had to put a freeze on My account and not to log in for 5 days. After the 3rd day of me not logging in I noticed a charge to XXXX some sort of banking service and asked the scammer what was this attempt at a money transfer? He said he blocked that attempt and now for me to wait an extra two days. I knew at this point t he was an scammer so I called chime support and asked if this person was in fact chime support. They told Me they do not ever contact people through text and advised me that my phone had an app likely which the hackers could hack into my account. They said change your password and factory reset your phone which I did. Upon logging in I noticed the funds were all gone from My account. Chime says they will file a rebuttal which takes up to 45 days after I send them evidence in the denied dispute. I can not wait 45 days for my money so I thought I would contact you guys with evidence of the fraud that occurred so you could please help me.
Product: Checking or savings account

I opened an account with Bank of America in order to take advantage of the generous checking account bonus they were offering. After opening the account and making an initial deposit I was locked out of my account. I received an email that I would receive a letter with a new password. I then received a letter that the account would be closed and that my ability to open new accounts in the future may be jeopardized because of reports that are sent to XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/year> XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Request for Account Blocking and Deletion Due to Data Breach Dear XXXX Team , I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent XXXX XXXX XXXX XXXX **Accounts in Question : ** XXXX XXXX # XXXX {$0.00} Personal Information : -Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX -Social Security Number : XXXX -Date of Birth : XX/XX/year> This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. **15 USC 1681c-2 ( a ) ** : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately. 2. **15 USC 1681i** : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. 3. **15 USC 1681e ( b ) ** : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 4. **15 USC 1681g ( a ) ** : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach. 5. **15 USC 1681m** : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately. 6. **15 USC 1681n** : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. I've attached a list of hard inquires in question. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days!
Product: Debt collection

I don't know this entity or any entity they're affiliated with please direct them to cease and desist. This is not a valid debt
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX