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

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/XXXX Contents of complaint : I am writing to file a formal complaint against XXXX, Experian XXXX XXXX and XXXX regarding their handling of a fraudulent bankruptcy entry on my credit report. This entry is the result of identity theft, and despite my efforts to resolve the issue directly with the credit reporting agencies, the problem persists unresolved. Below are the details of my complaint : Identity Theft Incident 1. Nature of Fraud : An unauthorized bankruptcy was filed in my name without my knowledge or consent. 2. Date of Discovery : XX/XX/XXXX XXXX. Impact : This fraudulent bankruptcy entry has severely damaged my credit report and financial standing, affecting my ability to obtain credit and maintain a positive financial profile. 

Actions Taken XXXX. Reporting the Incident : I filed an identity theft report with the Federal Trade Commission ( FTC ) ] Report Number XXXX. 
I have submitted a personal statement to the credit bureaus detailing the identity theft and requesting the immediate removal of the fraudulent bankruptcy entry. 
XXXX. Dispute with Credit Bureaus : I have disputed the fraudulent bankruptcy entry with XXXX XXXX, Experian and XXXX under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2, which mandates the blocking of information resulting from identity theft within four business days.

I have notified the credit bureaus that I am opting out of information sharing and withdrawing any consent for the reporting of this fraudulent bankruptcy.

Issues Experienced 1. Lack of Response and Action : Despite my disputes and identity theft report, the fraudulent bankruptcy remains on my credit report. Negligent Violation under 15 usc 1681o.

The credit bureau has not removed the fraudulent information in a timely manner, as required by 15 U.S.C. 1681c-2. This section of the FCRA requires removal of such information within four business days.

The credit bureau has not provided adequate verification or a satisfactory explanation for the continued presence of the fraudulent bankruptcy entry.

2. Privacy Violations : The handling of my personal information appears to be inconsistent with privacy protections under 15 U.S.C. 6802 ( Opt-Out Right ) and 16 C.F.R. 313.7 ( Prohibition Against Disclosures to Nonaffiliated Third Parties ). My personal data has been improperly used, impacting my financial standing.

3. Non-Compliance with Fair Credit Reporting Act ( FCRA ) : According to 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum accuracy of the information. The continued reporting of this fraudulent bankruptcy indicates non-compliance with this requirement.
Product: Credit card or prepaid card

Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Credit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$1300.00} Dear XXXX XXXX, Weve completed our investigation of your billing inquiry, and weve determined that no billing error occurred. 
The disputed amount, {$1300.00} will be included in the payment amount due on your next statement as of XXXX. 

We apologize for any inconvenience you may have experienced. You may request a copy of the documents we used in determining the final outcome of the investigation at XXXX. 

Sincerely, Chime Disputes Team In 24 hours they finished dispute I refuse to lose my hard earned money
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take imely and effective measures to prevent and 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 Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

I applied for a private student loan with Navient in XXXX. I have taken several breaks, some up to a year long, during my college years. I never got a bill for this loan, infrequently, I would get letters about it being in deferment while I was attending school. Those letters stopped for a few years but in XXXX XXXX I got a bill for payment due on this loan. I had consolidated all of my loans to XXXX so I was a bit confused, I immediately thought someone used my information to get a loan. I actually forgot all about it because I hadnt recieved correspondence in several years. I called them and they said it was my loan and had been in deferment for 7 years. I asked for the signature on the promissory which they did send me and I did confirm it was mine. I called back at this point to try to arrange a more affordable payment, as it was almost {$400.00} a month they wanted, and to discuss the interest of which doubled my original loan amount. I had been out of classes for 2 years at this point so I knew they did something wrong. They refused to lower my payments, I even asked for income based repayment and was told no repeatedly over the next 4 months. I had sold my condo only months before and would have used the proceeds to pay this loan off had I been aware of it. I eventually ended up hiring an attorney who let it go into default because she was n't very organized. Once we got back on track, which took several months of emails and phone calls to her, she asked about payments made, none had been made during the 7 years, however, Navient later claimed I made a {$31.00} payment at some point in the last 4 years on the account. I had no way to look this up since I do n't keep statements from the bank that long, nor did I have that account any longer. It took months for them to produce " evidence '' of this small payment, and I do n't even know what that consisted of because I fired my attorney for dropping the ball so many times. But eventually, after extreme stress in dealing with this matter during my XXXX and then having a XXXX, my fiance paid out a settlement we worked out with the collection attorney. It has never sat right with me because they kept it " in deferment '' so long that it went from {$5000.00} to nearly {$10000.00}. I was dissuaded from filing a complaint by my then attorney.
Product: Vehicle loan or lease

USAA federal savings bank gave me a Letter of guarantee for a release of lien upon receipt of full payment. I paid in full and they never submitted the release of lien. DMV still has a recorded lien from USAA federal savings bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX and Knight Adjustment #  XXXX are double reporting on my credit report. These accounts are not only in violation but are also settled in full and have been paid off already. There is no reason for these to still be on my credit and they need to be removed off of my file immediately.
Product: Debt collection

I paid my bill to XXXX  balance as always, inside of XXXX XXXX in XXXX XXXX, NV. I also turned in the equipment at the same time due to me moving. This was is XXXX due to needing to care for my XXXX grandfather in a different city. Fast forward to XXXX I was in process of buying a home, and when my credit gotten ran it showed that theres a collection for {$750.00} from XXXX XXXX XXXX. It also said it was placed XXXX XXXX. I then called to speak with them to see why, and the person that answered said they dont see an account in my name. Yet, theres a collection thats hurting my credit, in my name from XXXX. I then asked to speak to the manager or someone above him, and that person said the same thing. I disputed it and then it was sold to radius global solutions XXXX XXXX. Ive been trying to take all of the right matters to get this resolved but Im hitting dead-ends. My credit has been affected tremendously by all XXXX  credit bureaus XXXX, XXXX XXXX, and XXXX. The process on buying my familys home has become longer. I would greatly appreciate it if it could be removed completely and blocked from any other credit buyer immediately. If youd like to call or email me you may do so. 
Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

**Inquries** All of these inquries have been totally illegal and was not authorized on my part. I just hired a credit specialist to work on my credit and I need to have all of these removed as soon as possible. All these inquiries were from car dealers and I have never applied to anyone of these dealers. 

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 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 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 XXXXXXXX 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: Debt collection

Company refused Police Report and Identity Theft Report on several occasion dating back to XXXX to Present. Several Calls were made to my cell phone due supplying the company with a copy of current Driver 's License, Social security Card and contact information to resolve this issue instead the account was just update with my personal information that was requested by the company after sending a Police Report and Identity Theft Report after abating this information I proceeded to get phone calls regarding the fraudulent account asking when I 'm going to pay it and that if I did n't pay they were going to press charges on me and garnish my wages.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 my credit score went from XXXX to XXXX. I put in a dispute with TransUnion. They accept my dispute and my credit went up to XXXX. Then on XX/XX/XXXX my credit score went from XXXX to XXXX. I disputed that the XXXX account # XXXX was still active and not closed. They disagreed. They took this card off of my credit report. This card has a credit limit of {$4600.00} and a balance of {$29.00}. I would like this credit card used to show my proper credit score. I would like my XXXX credit score reassigned.

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

ERC ( Original Creditor : XXXX XXXX XXXX  ) XXXX Date Opened XX/XX/2019 Balance {$500.00} I dont believe that this reporting is correct. This reporting is incomplete. Your agency is supposed to provide the missing information as they are missing from the report. I see that this account has a charge-off status but Im still seeing balance being reported. Are you aware that its a violation?
Product: Credit reporting or other personal consumer reports

My account with those creditors was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

On XX/XX/XXXX of 2020, I was informed by a former roommate that she had received multiple calls from BANK OF AMERICA looking for me and looking to talk to me. The caller proceeded to leave a voice message stating that they were calling for me stating my full name and requesting for me to call them back. 

I believe this unauthorized called by BANK OF AMERICA to my former roommate of over 5 years ago is a complete violation of my privacy and my consumer rights. This former roommate has NO association to me nowadays and we are not even acquaintances anymore. 

Why would BANK OF AMERICA make this unauthorized phone call to bother a person that is completely unrelated to me and who has no relation or contact with me at all. How did BANK OF AMERICA obtained this information of a person that I lived with many years ago even prior of me having any business association with BANK OF AMERICA. 

Again, this is a violation of my rights. I DO NOT CONSENT TO ANYMORE CALLS EITHER TO MY PERSONAL PHONE, WORK PHONE OR DISTANT, FORMER ACQUAINTANCES, FAMILY OR FRIENDS OF MINE BY BANK OF AMERICA. 

I request for BANK OF AMERICA TO CEASE AND DESIST OF ANY UNAUTHORIZED PHONE CONTACT TO ALL MENTIONED ABOVE.
Product: Checking or savings account

On XX/XX/year>, I filed a claim with JP Morgan Chase regarding a merchant who withdrew more funds from my account than was agreed upon. I was instructed to visit a branch to sign an ACH Statement of Dispute, which I did. The branch bankers faxed the form, and I waited until XX/XX/year> to confirm the receipt. 

Upon calling on XX/XX/year>, I was informed by a representative that my claim had been denied due to " no dispute rights. '' The representative was unable to provide any substantial reasoning or explanation of what this meant. When I requested escalation, I was transferred to a team lead whose behavior was both unprofessional and condescending. This individual incorrectly asserted that my claim had been filed as a dispute for a cancelled transactionsomething I never communicated. 

I made it clear that my issue was the merchant withdrawing more money than authorized, not a fraudulent transaction or a dispute over cancellation. The team lead ignored my explanation, instead repeating that my claim was denied due to a " history with the merchant, '' which was irrelevant to my actual complaint. His dismissive and arrogant tone was uncalled for. After being placed on hold multiple times, the lead said I " didnt want to speak to someone else, just someone who would tell me what I wanted to hear, '' and then hung up on me. 

I called back and eventually spoke to a supervisor, only to be met with the same lack of accountability and professionalism, followed by another hang-up. 

I demand an immediate review and resolution of this claim. I expect a clear and valid explanation for why my dispute has been mishandled and the inappropriate behavior of your staff addressed. This is unacceptable, and I expect a prompt and satisfactory response. If this matter is not resolved properly, I will have no choice but to escalate this issue further.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF ID THEFT. I SENT IN THE ID THEFT AFFIDAVIT AND POLICE REPORT AS I WAS INSTRUCTED WHEN I CONSULTED THE FTC. IT HAS BEEN OVER 2 MONTHS AND EXPERIAN CONTINUES TO REPORT THESE FRAUDULENT ACCOUNTS IN VIOLATION TO THE FCRA LAWS. I WOULD LOVE FOR THE CREDIT BUREAUS TO COMPLY AND CEASE TO REPORT ACCOUNTS ON MY PROFILE THAT WERE OPEN BY THE THEFT AND NOT ME.
Product: Mortgage

I was told that our house is in the process of Modification since we informed our Servicing Loan company that we would like to keep the house. Their latest communication to us was on XXXX XXXX, 2015 where they requested to submit list of documents and, as our response, we submitted the required documents last XXXX XXXX, 2015. The deadline for the submission is on XXXX XXXX, 2015. However, in the mail, we received a Notice of Sheriff 's Sale of Real Estate last XXXX XXXX, 2015 from XXXX and XXXX with a Sale date of XXXX XXXX, 2015. 
We got confused because the XXXX XXXX, 2015 communication we received, was a congratulatory letter that our Application for Modification is in the beginning of the workout process. We thought for a while that the XXXX Sale letter is just a miscommunication between their legal and mitigation departments. But just to in the safe side, we decided to submit this concern to your office because we do not want our house to be sold and our application for modification is still very active. 
What we would like to achieve at this moment is, that we would be given the opportunity to prove our capability to pay by subjecting us under the Trial Period Plan.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach and these accounts and inquiries are fraudulent. 
The following accounts must be blocked and deleted immediately : 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 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 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX sent me a letter for {$5600.00} on a debt that is over 8 years old and claims that XXXX XXXX is the current creditor in which there both debt collectors trying to claim or retain debt not owed and sending letters for a debt not valid. All these years XXXX XXXX XXXX nor XXXX XXXX has never sent any form of any such debt. And trying to collect interest for all the years with no notice of any such kind. If they like we can take it to court and they can explain why there has or was any attempt in all these years to try to collect a debt with interest. That's there negligence.
Product: Debt collection

The company Dynamic Recovery Services called me to resolve a debt from 20 years ago. I don't know how they got my number.
Product: Mortgage

I have a XXXX loan that I took out in order to afford the down payment when I originally bought my home. For years, I have routinely payed that loan on or before the date that I was given as the end of my grace period. I was clearly and repeatedly told that no late fee would be charged as long as I stayed within that period. Most months I paid a little bit extra on the loan in an attempt to pay it off before the interest rate increased. This week I received a phone call informing me that my payment was short. When I disagreed, the woman on the phone explained that while I had not been charged a late fee because I had paid within the grace period, that a separate interest was attached to the amount owed for every day after the actual due date of the loan - meaning that I am being charged an additional fee even when I pay within the grace period. I have been making payments on this loan for roughly ten years, thinking that I was getting ahead when I paid extra, only to now realize that I have been charged this additional fee for all of this time without ever having been told about it. I think this is outrageous and I certainly hope it is illegal. I hope that you will address this, stop the practice, and help me and others get our money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX SER XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, 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 ( Original Creditor XXXX XXXX XXXX ) Account # 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 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 to cause to believe that the information is inaccurate.