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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX  Balance Owed : {$0.00} XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$7300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$310.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Tonight, I discovered inaccuracies on my credit report and I dont know why. When I reviewed my credit report like I usually do, I found discrepancies that hadn't been there before. I refreshed my browser, thinking it might be a technical error, but the incorrect accounts persisted. Therefore, I am asking for a thorough review of the documents I've submitted to ensure I wont have to deal with this problem again.
Product: Credit card or prepaid card

Someone fraudulently opened an Affirm account on XXXX to make a {$60.00} purchase using my identity on XX/XX/2022. Affirm will not tell me what the purchase was for. I contacted XXXX to find out what the purchase was, but they could not tell me because the account was opened under a different user account. I never received a {$60.00} item from XXXX, and I have no idea what was purchased. I tried to dispute both the fraudulent account opening as well as the fraudulent charge, but Affirm denied my dispute. I can not dispute the purchase on XXXX because it was made under a different user 's account. Affirm will not allow me to close the account unless I pay them for the fraudulent charge, so whoever opened it can continue to make charges in my name. Affirm placed me in collections and are negatively impacting my credit report. I absolutely refuse to pay for an item that was purchased under a fraudulent account opened under my name. I am disgusted that Affirm continues to bully me.
Product: Debt collection

I have had the unfortunate experience of having an account that was previously deleted from my credit file re-inserted in direct violation of the Fair Credit Reporting Act.  611 ( a ) ( 5 ) ( b ) ( i ) ( A ) " the information may no t be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate ''. The account was originally deleted with SYNDICATED OFFICE SYSTEMS, it was reinserted to my credit file without " certifying that the information is complete and accurate. I request the account be immediately and permanently deleted from my credit file as these violations of the FCRA are negatively affecting my ability to purchase a home. These are clear violations of the FCRA, I ask that my request for deletion be expedited. Thank you for your consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently in school at XXXX for a XXXX program. I started in the XXXX term of XXXX I was able to get financial aid for the XXXX term XXXX. However, now for the XXXX XXXX there seem to be a fraudulent bankruptcy that has placed on the account. 
My loans were recently transferred from XXXX XXXX to Mohela. 
I have never had any documents or emails about this status sent to me prior to the bankruptcy being placed on my account. I have only found out after the bankruptcy has been placed on the account. 
How I found out about the bankruptcy : I had applied to more than XXXX school, upon checking the status for the summer term for Florida XXXX XXXX XXXX, for the Spring term XXXX I was awarded financial aid. I did not accept as I decided to go to XXXX. Upon checking my financial aid account, it shows that the loans are in bankruptcy. 
The issue : I have never filed for bankruptcy, so I believe this is a huge error. Also, by good credit of almost XXXX not too long ago will most likely be impacted severely. In addition, I am only able to continue going to school on a grade plus loan which is contingent on credit. 
I am usure the basis for the bankruptcy being placed on the account. I have tried calling several times and I am placed on hold for more than an hour each time with no resolution. ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) In addition to not ever being in bankruptcy, I have had no chance to rectify the situation prior to the bankruptcy being placed on my account. I have had no emails or any correspondence stating this would happen prior to the bankruptcy happening. I also can not get anyone on the phone at Mohela to help me with this matter. In addition, I am currently in school in my XXXX week for the summer with pending financial aid to pay for my semester. 
This is very negligent on the servicers part. They need to ensure they are properly reporting correct information, and if it is incorrect, they need to fix this immediately. They should fix the issue with the credit reporting agencies as well.
Product: Credit card or prepaid card

XXXX XXXX is showing me a balance when it needs to be removed from my report. They have sent letters supporting the removal but still has it under the one siteXXXX needs to be removed and the other charge off and close the account.
Product: Mortgage

Fifth Third Bank XXXX XXXX XXXX XXXX, OH XXXX Fifth Third Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Fifth Third Bank through published and non published process and procedures, has consistently not processed mailed in mortgage and other payments in a timely and professional manner. Recently I have had payments lost even though others mailed same day reached their destinations This is in order to have clients incur late payments fees and penalties which unfairly adds to company profits thereby allowing management to incur increased bonuses. 

This unfairly impacts shareholders as well. 

This client has dealt with this since Fifth Third took over my loan processing. 
There may be many others, perhaps thousands impacted by these processes. 

I request CFPB to investigate to see if this practice is an embedded company trait designed to reap unfair fees and fines.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to comenity bank card for lane bryant. The account paid in full XXXX/XXXX/21, a late fee was removed so balance went from XXXX tXXXX  XXXX which was paid, currently reporting late when i was ensured it wouldn't be and i shouldve waited for it in writing but was told since they confirmed it hadn't yet reported that I would be fine.I didn't argue about the fees late fees or ask more questions because I just wanted a quick resolution to the account. 
This account I thought was on auto pay and I didnnt realize there was a {$6.00} payment and late fees on top of late fees because of fees that were not fully assessed and were pending at time I made last payment. I spoke with several people when I was called regarding the delq balance and they waived a late fee, I paid the remaining balance in full and was told that it was being brought up to date before it was reportd so everything was fine. I recently got notice my score dropped significantly due to this being reported as having a balance of {$100.00} as of XXXX/XXXX/21 which is incorrect. I called Comenity to dispute it and was told that once this reports again it should correct itself and report correctly but Im currently trying to get approved for a mortgage for a larger home as Im expecting twins and need a larger home. I asked the manager I spoke to if they could look into the payments and the previous discussions I had regarding this account and was dismiss and told to wait for next reporting or contact the reporting agencies. XXXX XXXX and XXXX are showing delinquent with a balance of {$100.00} which is incorrect, XXXX is still showing no payments made late but an incorrect balance. Im requesting that someone please accurately report that this account is up to date with a XXXX balance and remove the XXXX XXXXay mark as I was assured that it would not appear if I was able to pay the entire balance on XXXX/XXXX/21 over the phone. The same day a fee was removed due to the discrepancy of being charged fees on top of fees AND my credit limit was increased. 
I dont think its fair or accurate to report that I was {$35.00} late when they removed {$35.00} from my account and instructed me that paying the remaining balance which were late fees that had not been posted to my account when I called to inquire would result in my continued stellar reporting of never being delinquent. I feel like I was mislead, given false information regarding reporting and the account is not accurate on any of the XXXX. 
I hope this can be resolved quickly. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # from when account was active : XXXX Account # according to Credit Reports : Equifax - XXXX / XXXX - XXXX /XXXX - XXXX I have already submitted a complaint ( # XXXX ) with you all regarding the actual company ( XXXX XXXX  XXXX XXXX ) providing the information but this morning I received emails from Equifax stating that my disputes ( Conf # 's XXXX & XXXX both XXXX XXXX   for duplication of accounts and inaccurately reporting a CLOSED account as OPEN ) were complete. I called and spoke with 2 different reps who both confirmed that XXXX XXXX replied that the info is correctly reporting. I proceed to explain to the young man that 1. I only ever had 1 account with XXXX XXXX  XXXX XXXX which began XX/XX/XXXX. That truck was repossessed in XX/XX/XXXX, they refused to give the vehicle back to me. How on earth can they report this balance as open when it's C/O after they refused to give me the vehicle back. He explained because the balance is still owed and was never sold. So then I asked him to explain the duplication, his response was it's not the same, account ending in XXXX has a {$0.00} balance and shows as " Sold/transferred '' & account ending in XXXX has a balance of {$11000.00} and shows " Charged off and Open '' ... hmmm, this all is a big conflict and it's like whatever the creditor says is what goes and it's not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

Additionally, rather than actually investigating items Experian has systematically and maliciously changed items on my credit report to cause my score to worsen. 

ACCOUNTS XXXX not mine XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX not mine XXXXXXXX XXXX XXXX XXXX not mine XXXX-XXXX   XXXX not mine XXXX-XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX/XXXX XXXX not mine PUBLIC FILINGS US BKPT CT IL XXXX BK CHPT XXXX inaccurate COLLECTIONS XXXX XXXX XXXX XXXX not mine CREDITORS XXXX XXXX XXXX   XXXX not mine
Product: Mortgage

In 2007, I took out a mortgage loan with XXXX XXXX XXXX for {$400000.00}. I defaulted on my payments and have been trying to work with the bank to find some sort resolution. I've submitted a mod a couple of times each time they've denied me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$27000.00} Needs Attention This account is showing on XXXX. Incorrect payment history and balance etc. On XXXX there is no account like this on my report. I have reported this to them multiple times and they still refuse to remove it. Information is supposed to be accurate. The information is not accurate or complete because there is different information on all three bureaus and no information at all on some. this is completely against my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am 30 days past due on XXXX XXXX XXXX partial account number XXXX. ( Please see pages 22 and 23 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Uknown Inquiries are reporting on my XXXX, Equifax, and XXXX reports. I have filed Identitytheft, and will attach FTC report. The following inquires are what needs removal. 

XXXX : XXXX - XX/XX/XXXX Equifax : XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX Factual Data - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX : XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX
Product: Debt collection

Navient Solutions has continuously tried to collect a Private Loan in the amount of {$26000.00} that was XXXX in Chapter XXXX Bankruptcy court On XX/XX/2018. 
They continue to report this to credit bureau as delinquent. 
They have this debt listed under XXXX different account numbers on my credit report. 
I have contacted via telephone numerous of times to let them know and was told to upload the document via the website. 
In addition, they are calling me and my family members 7 days a week, once every hour from XXXX to XXXX EST time.
Product: Credit reporting, credit repair services, or other personal consumer reports

N Accordance with the Fair Credit Reporting act XXXX  Account # XXXX / XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX US Dept Of ED Account # XXXX US Dept of ED Account XXXX XXXX US Dept of ED Account XXXX XXXX US Dept of ED Account XXXX XXXX US Dept of ED Account XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A States I have the right to privacy 15 U. S. C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

Our account was recently transferred from XXXX to Shellpoint Mortgage and they have added a {$6000.00} fee. We were up to date and have proof.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done XXXX XXXX by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Bank account or service

I have had several Wells Fargo accounts over the years. They have charged me thousands of dollars in late fees and various other charges.
Product: Credit card

I initially applied for my Citi credit card back in XXXX of XXXX  and I called several times because I never received my credit card. After 4 calls, I finally received my credit card, not until XXXX. I only applied for this credit card because of the promotion for 0 % interest on balance transfered for the first 3 months. Since I never received my card in time, due to no fault of my own, I asked for my promotion to start because they didn't allow me to transfer unless I received the credit card. I never heard back from them and it's been 4 months now. I also applied for a 2nd card for the balance transfer promotion as well, and it's been the same thing. I've called 3 times now in the course of 3 months because I have yet to receive my credit card from Citi as well. The representative told me I can not talk to the marketing team and told me he had to close my account to try sending the card again. This is fraud as they are not sending my cards to me until the very end, or after the promotion period. They did not honor what they promised and advertised, yet I am stuck with 2 credit dings now with no promotion.
Product: Credit card or prepaid card

In response to complaints filed, on the day only when my payment was due, PayPal responded. I answered that I was not satisfied and since tried numerous times to contact many at their National Headquarters, where, as routine, it appears, no one responded. I have also looked up other complaints and it does seem this company prefers not to have Contact, but will on a constant basis continually increase FEES. I also contacted the Federal Trade Commission who advised that I contact XXXX XXXX XXXX, of which I have, and again, no one responded back from there either. Many closed doors, not only to me, but as I have researched as a practice to customers by this company. Yesterday, XX/XX/2018 @ XXXX, I forwarded an email to cancel my account { XXXX XXXX XXXX XXXX } as I also tried to reach out for a hardship program due to the constant adding of FEES and my status as XXXX, again, no response. I also sent information to XXXX stating I advised to cancel my account with PayPal now and surely before next payment due date. I will continue to make monthly payments, but not at the high amounts with these FEES they demand. XXXX, XX/XX/2018 @ XXXX ( I thank you )
Product: Credit reporting or other personal consumer reports

Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an ID theft report. find the required documents to assist in the blocking of the erroneous information which are being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX Bankruptcy XXXX Date XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX XXXX Balance : {$680.00} XXXX XXXXXXXX XXXX XXXX : {$170.00} XXXX XXXX XXXX XXXX Balance : {$880.00} XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX have violate XXXX5 usc 1681n 15 USC 1681b permissible purpose ( a ) 15 USC 1691 ( d ) ( a ) ( 1 ) 15 USC 1681e 15 USC 6803 Violating my privacy reporting to financial institutions without my consent sharing my personal information 15 USC 1681a- ( B ) 15 USC 1681 Congressinal findings statement of purpose in regards to my current credit cards XXXX had 4 financial institutions decrease my credit limits which is legal my signed signature was an extension from my open end credit plan which caused me to lose XXXX of dollars during a pandemic..
Product: Student loan

my student loan was disbursed by my school to the wrong account at XXXX XXXX. over 15000 has just disappeared and I still have to pay it back. The bank said the school must contact them directly in order to send the money to the correct account. XXXX confirmed that they recived the money to account XXXX however the person has withdrawn it and frozen the account. I should either have that money refunded or not be responsible for it.
Product: Credit reporting or other personal consumer reports

Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$12000.00} XXXX XXXX XXXX XXXX Balance Owed : {$310.00}
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Payday loan, title loan, or personal loan

I had a leak in my roof and needed extra cash fast. So I took out a loan from Rise on XXXX for a XXXX for 7 months at XXXX a month I took a beating on the interest but I needed the money. The last pay was gon na be XXXX but I've had trouble with my account so I ask could they take it out on the XXXX they said yes everything is set. I called on XXXX and told them my money was in there now and if they wanted to take it on the XXXX they could or wait til the XXXX. They said they would take it on the XXXX they didn't, they didn't on the XXXX so I called them and they say I got to send another authorisation for ach withdrawal because for some reason they can't do it without it. Trouble is now they say they can't withdraw the money til XXXX Now which includes late fees and interest which is no fault of my own. My bank said they have no reason to not be able to get the money. I'm trying to keep my credit going up and 100 % on time payments. Don't know what to do. Please can u help?
Product: Credit card or prepaid card

We purchased flights and hotel to XXXX, XXXX XXXX XX/XX/XXXX-XX/XX/2020 ) on XX/XX/2020 for {$2900.00} and used my Chase Debit Card. I requested a refund because i removed an excursion and it was for the amount of {$340.00} which i did get back on XX/XX/2020. In XXXX the site, XXXX  closed down and never returned my purchase of {$2500.00}. I filed a claim through Chase on XX/XX/XXXX. I got the funds returned until they finished investigating and on XX/XX/XXXX they denied my claim and removed the amount from my account. They said that the transaction was correct and that I have to go through the XXXX XXXX XXXX XXXX. Per VISA we only have 120 days from date of purchase to dispute a transaction. The issue is that I can not go through the agency because they have been closed for months and im not sure how to get this money back. The bank should be able to refund this purchase that was never completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit it has been well over 30 days and I havent received any investigation results.