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

Subject : Complaint Regarding Identity Theft, Unrecognized Accounts, and Unauthorized Inquiries on Credit Reports To Whom It May Concern, I am writing to file a complaint regarding errors on my credit reports with XXXX, TransUnion, and XXXX. I have been a victim of identity theft, and my personal information has been compromised multiple times. Consequently, my credit reports now include several unauthorized accounts and inquiries that I do not recognize or approve. I was a part of the XXXX XXXX XXXX, my information has been online and used numerous times. 

Specific Issues : 1. Debt in Collections : Accounts totaling in collections are present on my reports, which I do not recognize or authorize. For example, the report mentions : Source XXXX XXXX ( {$790.00}, reported on XX/XX/XXXX ) XXXX XXXX ( {$1300.00}, reported XX/XX/XXXX ). 
XXXX. Charge-Off Accounts : My credit reports also list charged-off accounts that I did not authorize, including : XXXX, XXXX ( {$120.00} XXXX opened XXXX XXXX, XXXX, and reported as charged off on XX/XX/XXXX ). 
XXXX XXXX ( {$150.00}, opened XXXX XXXX, XXXX, and reported as charged off ). 
XXXX ( {$160.00}, opened XX/XX/XXXX, and reported as charged off ). 
XXXX. Unauthorized Hard Inquiries : My credit reports list several hard inquiries that I did not authorize, including : XXXX : Multiple inquiries from financial institutions like XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX 
TransUnion : Unrecognized inquiries from institutions such as XXXX  and XXXXXXXX 
XXXX : Unauthorized inquiries from institutions like XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 
4. Unfamiliar Accounts : There are open and closed accounts on my credit report for which I have no record of applying or owning, including : XXXX XXXX  ( secured loans reported with balances I did not authorize ). 

Steps Taken So Far : I have contacted the credit bureaus and creditors requesting corrections and proof of the legitimacy of these accounts. However, no resolution has been achieved. 
I have also filed reports regarding identity theft to ensure that the necessary documentation is in place & signed up for credit monitoring and freezes. 

Requested Resolution : I request that all unrecognized accounts, debts, and inquiries be investigated and removed from my credit reports. 
Please ensure that my file is flagged for identity theft and that further protective measures are taken. 

This situation is affecting my financial standing and peace of mind. I request the CFPBs assistance to ensure that the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ) and that my credit reports are corrected promptly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

i do not know this account as mine, i tryed to verify this account but they culd not proof this amount as mine, {$22000.00}, i think this is mistake andt wrong account.. i sent to them a validation debit
Product: Debt collection

The medical debt collector is adding finance/interest fees to the original amount, and reporting an inaccurate balance on my credit reports. I called they couldn't sufficiently explain why they're charging interest on this medical debt.
Product: Credit card or prepaid card

XX/XX/ some made a purchase for XXXX. I tried to activate my card they system would not let me. Called talk to customer service. They did nothing. And acted like they don't care
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

I have a Wells Fargo account on my credit report that I didnt open and believe that Im part of the XXXX XXXX that where in the lawsuit for Wells Fargo
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2022 Capital One Bank froze my personal checking account with the amount of {$110000.00}. They stated that this was due to wire fraud, I sent 3 wires totalling around {$50000.00} to 2 domestic companies for products being bought. Capital One Bank stated that I could do business transactions on a personal checking account which I was not aware of. Before this issue took place I didn't try to open a business account online and at a Capital One Cafe which I couldn't do at neither place since I am in California and no branches are around. Since day 1 I have been very transparent with them providing contact information of incoming and outgoing wires so they can verify that no fraud was being done here. It has been over a month now and I still have no resolution even though I call on a daily basis trying to plead my case and push for them to contact the companies for wire verification. Not only have their employees been rude mainly their XXXX XXXX XXXX which the only place that would take my calls because when I would call a XXXX office I would get sent straight to a voice mail as soon as the agent heard it was me, totally unprofessional and very frustrating. Capital One froze literally all my assets right before the first of the month for what I believe is totally unfair, I have had to borrow money to pay my mortgage, bills, food, clothes for my kids etc. Today is XX/XX/XXXX and mortgage and bills are due again and still no resolution from Capital One Bank, I have no one to lend me money no more to pay my bills this month and will soon have late fees on everything and this will for sure now impact my credit score. Capital One Bank is by far the worst bank in history I have ever dealt with including their employees, I can't believe this is happening to me, I've heard of horror stories that were hard to believe but now I am living the worst. Please someone help me get my funds released.
Product: Checking or savings account

I am messaging you in regards of my bank refusing to give me my money back. I received 2 fictious checks ( from XXXX XXXX Bank ) after completing a XXXX XXXX for a stranger. She told me her bank wrote charge wrong and told me to clear the check and send the money back to her. I sent through XXXX. This happened 2 times and I had to send my personal money that resulted in {$3100.00}. I've filed a dispute with my bank, PNC but they refused to reimbursement my stolen money. I really need help.
Product: Mortgage

In XXXX XXXX 2016 my husband passed away on the XXXX of XXXX there was a bad storm and the home sustained damage to the roof. Chase took forever to get the roof repaired they lost the death certificate 3 times, they continued to ask for documents that I had already submitted causing delays to get the roof repaired and causing more damage to the home. Finally a check in the amount of {$7500.00} was sent to have the roof done. But the delays caused an additional {$35000.00} damage to the home. I did a forbearance to the loan per the advice of Chase Executive Office because the funeral and the damage from the natural disaster in our area. I have done everything Chase as asked they are causing the delays. The roof is finally done and now I finally have the contractor lined up to start work on XXXX XXXX, 2016 but I can not because Chase only sent {$5500.00} because they said the loan is in forbearance and they will only send 25 % of the money. Chase knows that my contractor needs {$14000.00} to start the job. I do n't even have 25 % of the money because the only way I was getting the roof was to have {$7500.00} sent to the roofing company and the difference I was told to have the roofing company send the difference of {$2600.00} but Chase wanted the difference sent to them and they will send it to me when they get it. I am doing everything possible to work with Chase but from the beginning they have only delayed and tried to prevent me from getting the funds to repair the home. They know my plan is to repair the home and get get caught up on the loan after my forbearance. The loan has never been late before and its not like I have n't already set up a payment arrangement to get it current after the forbearance. Chases executive office told me t the first installment of {$15000.00} then it changed at the last minute this has been the way things have been dealing with getting the repairs done. Because of the rain pouring into my home while Chase kept delaying losing the death certificates more damage was caused and the appliance were soaked and now not working. I am trying to repair my home I have been doing all I can since XXXX XXXX and now with the first installment for the repairs for the interior only being {$5500.00} I am not going to be able to hire a professional contractor and I do n't know how I am going to be able to repair the home. I have been emailing Chase for days now asking them what I need to do because I can not get it done with what they sent I am emailing the executive office. I am communicating with them telling them my dilemma with the installment only being {$5500.00} and I am getting no reply. Chase has all the paperwork signed by the contractor the intent to repair everything I just cant do it. None of this is fair to me I am doing everything possible and Chase is the cause of the additional damage they are the cause of the process having to start over they are the cause of the appliance not working and I am the XXXX suffering. I lost my husband I dont want to lose my home. Please any assistance would be appreciated
Product: Student loan

I have submitted a loan discharge application due to school closure ( XXXX college, XXXX ) on XXXX different occasions over the past 6 months and can not receive an response. XXXX : application sent by XXXX mail XXXX : application sent via XXXX and uploaded onto Navient website. XXXX : application sent via XXXX. These loans should be forgiven due to the fact that the school closed while in attenadance. I have made many efforts to begin the process by following instructions given to be my navient, yet I still have not received a response.
Product: Vehicle loan or lease

I made a prior complaint in XX/XX/2022 regarding receiving a refund for the overpayment on my payoff and the refund for my GAP insurance. The company reported to you in XXXX that all of the refunds had been processed with the GAP being sent out on XX/XX/XXXX. You closed the complaint. While I have received the overpayment refund, I have yet to receive the GAP insurance refund despite calling over and over and getting a different story every time. I just want my money back and for Ally to stop these predatory practices. If they are unwilling or unable to perform their end of loan duties, why are they in business. I would never get another loan through them based upon this experience
Product: Debt collection

On XX/XX/2016 I mailed via certified mail an constructive notice in a form on affidavit sworn under the penalty of perjury to Firstsource Advantage LLC. Firstsource Advantage LLC failed to respond to my affidavit with a proper validation within 30 days. Firstsource Advantage LLC keeps sending me offers to do business.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 card or prepaid card

I was charged {$3100.00} by a merchant called XXXX in XXXX XXXX XXXX XXXX ago on XX/XX/XXXX. This was a fraudulent transaction, and was one of many charges on multiple cards that i have disputed with multiple companies over the last year. All have been resolved except this one. 

I spoke to Barclays the very next day and explained it was fraudulent and the only thing I purchased from this merchant were a couple beers ( total should have been approximately {$8.00} ). I have since filed at least 4 separate claims with Barclays, and have spent at least 30 hours on the phone with Fraud Investigators, and other Customer Support Representatives from Barclays. The most recent denial was sent to me on XX/XX/XXXX stating that they are denying my claim because too much time has passed. I have stayed in constant contact with Barclays over the last year fighting to get my money back. I have been promised that it would get resolved, and have been asked to be patient over and over again, while there is no evidence that they have done one single thing to attempt to contact the merchant or verify the charge. 

This merchant, called XXXX XXXX in XXXX XXXX was across the street from my hotel. Upon a quick XXXX search of the bar, you can see hundreds of reviews stating the criminal nature of the establishment and dozens of detailed examples of assault, kidnapping and fraud that has taken place there over the last couple years. The hotel concierge told me to not go back there to seek a refund, and also told me that the police would be a dangerous route as well. They advised that I simply deal with my major credit card providers and be happy that I was relatively ok after being XXXX XXXX XXXX as I was. 

Barclays should have record of dozens of calls that I have made to them to try and resolve this. The Ivestigator refused to XXXX the merchant when I talked to them and instead told me that I have to get 'documentation ' or they could do nothing to help me. 

I truly feel this could have been resolved with proper support and a brief investigation, but believe nothing was ever done to protect me as a XXXX year customer of Barclays. 

Thank you for you assistance.
Product: Credit reporting

Experian has a Dismissed Bankruptcy on my credit report, which is a violation of XXXX XXXX XXXX : XXXX ( a ) ( XXXX ). This needs to be removed. FCRA only allows the reporting of Bankruptcies from the date of entry of the order for relief or date of adjudication. There is no provision for reporting of dismissed bankruptcies. Case : # XXXX
Product: Student loan

I have parental federal student loans that were taken out for my XXXX children.These were taken out from XXXX XXXX XXXX XXXX ( XXXX ) and repayment on the first loan started in XX/XX/XXXX.The principal balance was {$8600.00}, in XX/XX/XXXXthe principal went to {$16000.00} and by XX/XX/XXXX principal went to {$82000.00} when my other childs loans were added.In XX/XX/XXXX I paid in {$1300.00} ( 12x {$110.00} ) ,XX/XX/XXXX{$2700.00} ( XXXX ) ,XX/XX/XXXX {$3500.00} ( XXXX  {$4300.00} ( 12x {$360.00} ) ,XX/XX/XXXX{$4200.00} ( 12x {$350.00} {$5400.00} ( 12x {$410.00} ) ,XX/XX/XXXX {$4900.00} ( 12x {$410.00} ) ,XX/XX/XXXX {$4900.00} ( 12x {$410.00} ) ,XX/XX/XXXX {$4900.00} ( 12x {$410.00} ) ,XX/XX/XXXX {$6600.00} ( 12x {$550.00} ) ,XX/XX/XXXX{$5000.00} ( 12x {$550.00} ) ,XX/XX/XXXX {$5000.00} ( 12x {$420.00} ) ,XX/XX/XXXX {$5000.00} ( 12x {$420.00} ) ,XX/XX/XXXX {$5000.00} ( $ 12x {$420.00} ) ,XX/XX/XXXX {$5000.00} ( 12x {$420.00} ) ,XX/XX/XXXX {$2900.00} ( 7x {$420.00} ) for a total of $ XXXX.Then they sold the loans to XXXX XXXX XXXX ( XXXX ) and they said I had a principal balance due of {$94000.00} I paid 5 payments of {$480.00} for a total of $ XXXX.I then was sold to Navient who said I had a principal balance due of XXXX I paid 7 payments of {$480.00} total {$3300.00} {$5700.00} ( 12 x {$480.00} {$5700.00} ( 12x $ {$480.00}.

In 18 years I have repaid a total of {$88000.00} and Navient is saying my principal balance is {$90000.00}??

How can I have paid in for 18  years and had no principal reduction? I have written to Navient twice and emailed questioning the interest calculations but all they offer is to lower the payments so we can drag this loan another 30 years.I got behind on payments by 30 days as I am now retired with limited fixed income and received calls and letters from XXXX  XXXX XXXX  XXXX  ( XXXX ) and questioned them on the interest calculations but all they wanted was the past due payment.

There is no way on XXXX 's green earth that I can have paid in {$88000.00} and still owe {$90000.00} are they computing the interest on the rule of 78 's Something smells!!!

Please help because my next step is an aatorney.
Product: Payday loan, title loan, personal loan, or advance loan

I applied online for a personal loan for individuals with low credit scoresXXXX XX/XX/XXXX I received a call ( from phone number XXXX ) supposedly a loan company name " Prosper Loan XXXX. '' The man ( XXXX XXXX ) on the phone stated I was approved {$5000.00}. Mind you he had a thick XXXX accent, even with his name. He verified my personal information, so I'll take it that he retrieved my information through my personal loan application. He requested my checking account information too deposit the funds, after I acknowledged the contract information he sent to me via email. He also requested my debit card number to deposit funds into my account, which I was going to return back. This was just to validate my account, and to make sure my name is on the account, and that I am who I stated I am. 
He notified me that {$1100.00} into my checking account. When I checked my account, the funds was indeed in my account. He gave instructions to withdraw the funds and to buy 3 money card from XXXX and give him the card numbers, which I did. Only to wake up on XX/XX/XXXX to see all these reversed transactions in my chase checking account for the total amount of the funds XXXX XXXX claimed was money from his loan company. I called XXXX XXXX the next day to request my funds back, and that the {$5000.00} loan is not in my account. XXXX XXXX went on to say that the state counselor is requesting taxes because his loan company is in XXXX, and I live in XXXX I told him that XXXX don't have state taxes. He stated that is the law for obtain the loan. He again stated he is going to deposit the tax money, and I need to return it to him via cash app or XXXX money card. He did the same thing by accessing my checking account and reversing paid transactions totaling {$1900.00} from months ago. Payments made to my XXXX XXXXXXXX refused to send him the funds, which made him really upset once he realized that I was on to his scam. I have all the documentation and communication between this company and I. I also has a voicemail from " supposedly his boss who called and threatened me once XXXX XXXX informed him that I am not sending the money back, which they reversed my charges in my account. 
The emailed he used is XXXX. XXXX XXXX is another person who called from the company. XXXX who called and threaten me to blacklist my passport
Product: Credit reporting or other personal consumer reports

Unexpected unauthorized inquiries appeared on my credit report today, leaving me confused and upset. I attempted to refresh my browser in hopes it was a mistake, but the issue persists. I urgently need your team to carefully examine the documents Ive sent so I can put this behind me.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX 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. XXXX XXXX XXXX Is reporting on XX/XX/XXXX I opened the account The account is closed and was paid off never late however, they are reporting late payments the Account was closed XX/XX/XXXX of XXXX on XX/XX/XXXX The account was updated on XXXX I have XXXX late payments XXXX late payments in XXXX and XXXX late payment in XXXX Then on XX/XX/XXXX of XXXX my Trans Union was recently updated Stating that I have too late payments In XXXX and XXXX payments in XXXX nothing reported on XXXX XXXX XXXX XXXX  Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This is very unprofessional and needs to be resolved ASAP!