23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year> XXXX unauthorized, fraudulant transactions were made at XXXX using my Chase debit card number. The transaction amounts were for {$200.00}, {$200.00}, and {$220.00} and the transactions occurred in person at XXXX separate locations in XXXX, NY, XXXX XXXX, FL, and XXXX XXXX, MD ( supporting documentation is attached. ) I contacted Chase immediately on XX/XX/XXXX to report the fraud and file a claim. My card was closed and I was issued a new one. XXXX days later I received a letter from Chase stating that their investigation found that the transactions were authorized. I called the claims department to ask for next steps and I was told there's nothing they could do and to call XXXX. I called each location and they verified the transactions were made in store but could not issue a refund because I did not have a receipt. I have no receipt because I did not make the purchases. 

It is impossible for me to make these purchases because I live in XXXX, CA. Along with my documentation of the unauthorized charges I've included a photo of an authorized charge made on the same day with my debit card at the grocery store XXXX  in XXXX, CA where I live. I hope this is sufficient to show that I could not have been in NY, MD, and FL making purchases in the store on the same day while I was also in California. These charges overdraft my account and I am incurring overdraft fees as a result, which Chase will not refund because they have closed the fraud claim and deemed the charges as authorized.
Product: Mortgage

I was seeking assistance with my FHA mortgage and after several months of sending in documents I was offically denied on XXXX/XXXX/16. My loan denial was mailed to me amost 7 days later with a turnaround time of 14 days to appeal me denial. Not only did I not have ample time to respond bit I was not given a specific reason on why I was denied.
Product: Mortgage

I am writing to express my dissatisfaction and concern regarding the handling of my mortgage forbearance options by your institution. I have been in communication with XXXX XXXX from Fulton regarding my post-forbearance options, and I was initially offered a cap and extend option, which would extend my mortgage by an additional 5 years and incorporate the missed payments from the forbearance period into my mortgage. 

However, I was recently informed by XXXX that this offer was made in error and that I am now required to pay my full payment due. Subsequently, when I spoke with XXXX XXXX on XX/XX/XXXX, she reiterated that the offer was indeed a mistake and the only resolution to prevent negative reporting on my credit report is to pay the balance in full by XX/XX/XXXX. 

I find this situation deeply concerning and unfair. It is unacceptable for your institution to offer a specific option via email and then retract it, especially when it directly impacts my financial well-being and credit status. Therefore, I demand an extension and request additional time to resolve this matter before any negative reporting is made on my credit. 

As a valued customer, I trust that your institution will rectify this situation promptly and provide me with fair and viable options moving forward. I appreciate your immediate attention to this matter and look forward to a swift resolution.
Product: Student loan

I called nelnet on XX/XX/XXXX to request a refund of a qualifying payment made in XX/XX/XXXX. ( I made 2 payments that month, I believe only 1 qualifies for the refund ). I was told that this request would take 4-6 weeks to process. 
I called nelnet again on XX/XX/XXXX ( after more than 6 weeks had passed ) and was told there is no way to check the status of my refund, there is not timeframe for refunds being completed, but that I should go ahead and submit my application for the debt relief when the application goes live and that it will not have an affect on my receiving the refund. I submitted my debt relief application on studentaid.gov when it went live. 
Others online are stating they received the opposite information from Nelnet, so now I am concerned I will not receive my refund if the debt relief is processed before the refund is issued. I have not heard any further information from Nelnet, and I have not received my refund.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concern about consumer protection laws, and I request your assistance in investigating in this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting

XXXX with XXXX and IRS. Received paperwork and was told to send to each credit reporting bureaus to have deleted from records which I did on XX/XX/XXXX. Received updated copies of credit reports from everyone except equifax. Received a letter from equifax with information on IRS still on letter and contacted them by phone. Was told I did n't ask for an updated copy of report and had to contact superior court in XXXX to get erased. The agent and supervisor were very rude and when sent me a copy of report, did not update information. I contacted superior court and was told normally the credit reporting agencies contact them directly for information but would send me the information at a charge. I got copies and sent to each credit reporting companies so everyone would same information on XX/XX/XXXX. Did not have a problem with the others but just wanted to make sure nothing came back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that my credit report dispute be reviewed. This is the 4th attempt to get items corrected on my credit report. I have provided exact items on my credit report that are reported inaccurate and per the fair credit reporting act - inaccurate information is not supposed to be reported on a credit report. Please do not delete my credit report as this is a request to correct the certain errors on my credit report that I am pointing out to you.

I take my credit report status very seriously as credit is a huge factor that determines my life and I want only accurate information reporting and reflecting on my credit report. Please review and correct or review and delete the inaccurate information asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX claims that these accounts can not be closed by chapter XXXX bankruptcy alone. They indeed were not. In the year of 2020 adversary proceedings took place. XXXX as well as all lenders that XXXX lists as supposed lenders were given 90 days to respond to the Federal Bankruptcy Court District of Minnesota, with documentation proving that the lenders were original owners of said debt. XXXX as well as all listed lenders never responded in any manner to prove their ownership within that 90 day period. Because of this the judge dismissed and discharged all future debt collection from any lenders listed as well as XXXX the servicer to these lenders. As of XX/XX/2020, 5 court orders were mailed to XXXX over 30 times. In this process TRANSUNION, XXXX  and XXXX were also made aware with multiple disputes. These documents were presented to the 3 multiple times as well through those disputes. According to the Fair Credit reporting Act, the 3 are legally obligated to correctly report information on my credit report. And at this point they continue to report false information even AFTER receiving the court orders.
Product: Money transfer, virtual currency, or money service

On Tuesday XX/XX/2019, I purchased tickets to an event on XXXX. Tickets were sent to me via XXXX ticket transfer and verified as real tickets into my account ( I even have a receipt from them ). I then proceeded to transfer XXXX $ into a fraudulent account via Well 's Fargo transferring service XXXX. Around 10 minutes later, I received a message from XXXX  saying the original tickets were purchased fraudulently ( using a fraudulent credit card ) and that the tickets in my account were cancelled. I contacted Well 's Fargo immediately, notifying them of the fraud that occurred and to ask them to return the money into my account. I informed them that the account on the other end of the transaction was either fraudulent or that someone stole their identity and that they shuld freeze that account immediately. The gentleman on the phone replied that it was a XXXX XXXX XXXX account that the money was sent into and that he would file a Fraud claim to get this resolved. 

That same night, I contacted XXXX to ask why they would send me verified tickets to an event that I purchased and then cancel them. They responded that they can only guarantee tickets that are bought on their website, but can not honor transferred tickets even though the tickets I purchased were legitimate seats that were just purchased from XXXX. 

That same night I filed a police report informing them of the scam and giving them any information about the individual who I bought the tickets from. 

Well 's Fargo never contacted me back, so tonight XX/XX/2019, I called them requesting an update. Supposedely my claim was never documented as a fraud claim and they never froze the fraudulent account on the other end ( even though I filed a police report, I offerred to show them the report, but they did not want it ). They said the customer care claim had been closed ( even though I was not notified ), and that I would not be getting a refund. They would not tell me anything regarding the fraudulent individual 's account or where my money went. I know Well 's Fargo had many issues in the past with them allowing fraudulent accounts and having millions of individuals ' account information stolen. I asked if this individual was one of those accounts, but they refused to give me any information. I spoke to them for 2 hours on the phone, being bounced around and given the run around. In the end they said nothing could be done and that I was wasting my time because I authorized the transaction. This is furthest from the truth, I did not authorize a transaction into a fraudulent account that should have never been allowed to be made. XXXX is apart of a XXXX XXXX  that requires photo ID and social security numbers to open. If the fraudulent account was never opened or never got stolen, the transfer of my funds would have never went through. It is something Well 's Fargo should have prevented. I have a Well 's Fargo claim number if needed ( although it is closed apparently ) I have a police report number if  needed
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items are still shown on my credit report after several written requests, which is against the FCRA. The Bureaus did not sufficiently comply with the Fair Credit Reporting Act, 15 USC sections 1681i, within the timeframe required by law. They continued to provide unsubstantiated and unverified facts even after engaging a third party as their verification source to explore the problem. Given my attempts to personally address it with 3 CREDIT BUREAUS, they are being deliberately neglectful and breaking the law, and I need this issue to be remedied as soon as possible. I need the following components removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$3800.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX XXXX Balance : {$1400.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$12000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$10000.00} XXXX XX/XX/2022
Product: Debt collection

This was a service provided by 01 XXXX XXXX XXXX XXXX., in an apartment that I used to live in XXXX XXXX, Florida. I was a renter in that apartment. ( Not the Owner ). They serviced the air condition unit. Thats an owner responsibility. So this is not my debts. The service was provided between XXXX and XXXX, I believe. I personally didnt sign the document of service. They said, I did. I would like to dispute this debt, because is unfair. The amount is {$330.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been knowingly reporting false information to the credit bureaus and has damage my credit over 100 points.saying my account is delinquent as well as prior not reporting payments Since XX/XX/2021 I have been asking and demanding XXXX to fix the matter with no resolution in sight. They never updated my payment method on file to make payments have been charging me late fees and interest on an account they had yet fixed so I can make payments. Instead of resolving the matter they just reported as if I didnt make payments and charged me fees. I have an entire paper trail I plan to sue them if this isnt fixed and how can I just get this fraudulent company to return my security deposit as well as remove them altogether off of me credit report because they are fraud at this point. No one tries to help and just recently customer service today on XX/XX/XXXX and XX/XX/XXXX just now sending a link to make a payment after they have already damaged my credit put on late fees requesting me to pay so they can fix it when its already damaged I been trying to pay the entire balance off for MONTHS me paying it off now will not fix the issue they need to fix and report to the bureau so my credit is fixed once they do that I have no issue paying and requesting my {$200.00} security deposit back as well. This company has been moving very untrustworthy I dont trust them to follow through on anything and they barely respond back. The degree and damage this caused Im turned down on things now. Im not the only one who this company has had this issue with them in regards to payments and wrongful credit reporting its all listed in the XXXX XXXX under XXXX XXXX XXXX  XXXX XXXX. They need to report the last amount they last reported so my credit is fixed and allow me to make my payment and report that in timely filing as well in which they have failed to do as well its a huge mess with this company and very unacceptable.please see below I have attached some info as proof as well as complaints from other people who have been going through this as well
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is showing a credit card balance that is inaccurate for my XXXX XXXX XXXX XXXX. The card balance still hasnt been updated for the month of XXXX as of today XX/XX/2022. Even though the posting date is normally the XXXX of each month. 
As per the Penfed agent I spoke to on XX/XX/2022, my XXXX credit card balance of {$570.00} ( XX/XX/2022 posted bal ) was submitted to all the CRA 's on XX/XX/XXXX. XXXX and XXXX have the correct bal. but Experion doesnt. I need Experian to update the accurate bal as well.
Product: Payday loan, title loan, or personal loan

My problem began when I purchased a piece of excercise equipment thru paypal credit on XXXX. When the new month began i received an email telling me because i am XXXX i am being enrolled in the paypal credit payment security program, I have the email saved where it says i will only pay XXXX $ for every XXXX dollars i spend so i spent more money than i could pay back. Now that it is time to pay it back they say i have to be XXXX after making the purchase but i am under the continued care of a doctor who is telling me not to work. please send me an email address to forward the email to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the Equifax AND  THE XXXX data breach and may have gotten into the wrong hands.
Product: Credit reporting or other personal consumer reports

I was an authorized user on my soon to be XXXX XXXX  account. He removed me from the account and I filed XXXX disputes with the credit bureau to remove the account from my credit report. XXXX reported to the credit bureau twice that I was still an authorized user. I contacted XXXX and they confirmed that I was no longer on the account but refused to give me anything to provide to the credit bureau and still continued to report inaccurate information to the credit bureau.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and Experian has ignored my demands per my federal consumer rights to remove incorrect information from my credit report. I have tried to dispute this with Experian twice now with no avail. 

I sent them an identity theft report from the XXXX XXXX XXXX included with a letter to remove fraudulent information on my credit report on XX/XX/24. They did not update my credit file within 5 business days as being under dispute, violating 15 U.S. Code 1681i. Then a week later, I filed the same dispute within their online dispute center on ExperianXXXX, and they still failed to remove the fraudulent XXXX XXXX XXXXXXXX account from my credit report. 

I decided to try again by enforcing my consumer rights under 15 U.S.C. 1681e ( b ) which states consumer information must be reporting correctly across all 3 CRAs, which it is not currently, given that I have this fraudulent account on my credit report. 

I mailed this dispute letter on XX/XX/24 and followed up with the same information submitted on their online dispute portal a few days later. They " conducted an investigation '' then closed the dispute and refused to remove the fraudulent XXXX XXXX XXXXXXXX account from my report, once again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently asked Trans Union how they went about verifying a bankruptcy and they sent a generic process where they say that they sometimes contact government agencies. I also sent a letter to the bankruptcy court in the XXXX XXXX of Florida and asked how they report files to the credit bureaus. The court Supervisor sent back a letter saying that they do not verify accounts and that they do not provide any information to the credit bureaus. I then asked Trans Union to verify the XXXX accounts as I had already talked to XXXX, XXXX at XXXX who told me they had not provided any information to the credit bureaus since XXXX. 

I have attach a letter from Trans Union where they say that they verified the XXXX accounts and that they have added information to the accounts. The information is still wrong and they are still reporting XXXX as negative accounts. In XXXX, 11 years ago I filed a Chapter XXXX bankruptcy. You do not see that on my credit report because it has been 10 years and it has fallen off. At that time 1o years ago, I did not have an account with XXXX as I had refinanced those student loans with XXXX in XXXX. So I have not had an account with XXXX for 13 years. Trans Union says that XXXX was included in a Chapter XXXX bankruptcy. In XXXX I filed a Chapter XXXX bankruptcy, once again 8 years after I refinance the XXXX loans with XXXX  so XXXX was never included in any bankruptcy. Those accounts were in good standing when I refinanced them and have never been negative accounts. As you can see, from the court docket, the Chapter XXXX was dismissed in XXXX and no where in Trans Unions report is that noted, which they would have known if they had truly verified the Bankruptcy. I was able to print mine off XXXX, which I assume where Trans Union got their information, since I have a letter in which the Bankruptcy Court says they do not report to the credit bureaus. They have done the same thing to the Consumer Financial account, it was not included in a Chapter XXXX Bankruptcy, as it was not even opened in XXXX and I did not live in XXXX at that time. This makes me wonder how long they have reported this false information when I have applied for loans and been turned down. None of the 5 accounts on the page I am sending were in a Chapter XXXX Bankruptcy except XXXX, but it was not discharged it was simple in a stay status until the Chapter XXXX was completed. As a matter of fact I am still paying on that account now. In each case Trans Union is saying they will keep these negative accounts on my file until XXXX. 

I am in the process of trying to buy the building which my wife and I have a business in, these people have been responsible for a denial from the credit grantors. Please expedite this challenge as I have 4 months in which to get the financing I mentioned.
Product: Credit reporting or other personal consumer reports

Wrote countless of letters disputing to Transunion and XXXX the following accounts accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX DATE REOPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that were removed by Transunion that reappeared after a few years. Transunion refuses to delete the accounts. This is hurting my Credit score.
Product: Debt collection

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This company is attempting to collect on an out of statute debt. This is against the law, per the Fair Debt Collection Practices Act. Perhaps that doesnt matter to you, but it matters to me. In addition, this company has chosen to illegally add fees, clearly in noncompliance with the Fair Debt Collection Practices Act. Please provide proof that this account belongs to me along with documentation stating your FCC clearance and that you have not abrogated my rights in reporting this debt. 
FIRST FEDERAL CREDIT ( XXXX XXXX XXXX XXXX XXXX XXXX  ) ***** Opened XXXX XXXX XXXX Balance {$110.00} FIRST FED CREDIT CONTROL ( XXXX : XXXX XXXX XXXX XXXX ) ***** Opened XXXX XXXX XXXX Balance {$110.00}