23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

After unsuccessfully trying to withdraw cash from my account, in which there were sufficient funds for withdrawal, at one Chase Bank branch, about which I filed a separate complaint, I went to another Chase Bank branch. At this second branch, at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, I again attempted to withdraw cash from my account. This branch said they did not carry cash either. Again, from the street, this looks like any normal Chase Bank branch, and yet clients are not able to withdraw cash from this bank. I think it is absolutely mad to allow a bank to open and advertise ( by both store signage and on XXXX Maps ) a bank branch and then not allow customers to withdraw funds after spending the time, effort, and money to travel to these branches.
Product: Debt collection

I received an email from Valentine & Kerbartas, LLC, on XX/XX/2023, for someone else. This email included the person 's name, address, amount owed, creditor name, and account number. 

I am not the individual named in the email and I am concerned that they are sending me so much information relating to this person which is in violation of the debt collection related laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You are in direct violation of the Fair Credit Reporting Act. Capital One ( account # XXXX ) has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

XXXXXXXX  and XX/XX/
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX is currently listing several FALSE late payments along with notations like " late 60 days '' and late 90 days, while this information is inaccurate and to no fault of my own, due to problems with my ongoing Financial Hardship. During XXXX I was struggling to make my mortgage payments, so I was instructed by FHA to contact XXXX XXXX  for help / assistance. I depended upon XXXX XXXX  to provide me with assistance, not to add to my already Stressful life, by reporting NEGATIVE information to the credit bureaus. I did not discover the late payments until I applied for a loan to try to get caught up on my payments. And when I attempted to contact XXXX XXXX  several times about my account there was never any answer, just an automated recording that stated my call was being placed in a queue and someone would follow up. I NEVER received any courtesy call from XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 

Further, when I did finally speak with someone, I was assured that my account would not be reported to any credit bureau agencies while the account was under a financial hardship, and they did just the opposite. I have made several attempts to get these NEGATIVE inquiries corrected, and have had no success in doing so. XXXX XXXX  continues to state that these inaccuracies are accurate, but they are not!! My account was in a 12-month forbearance, and when the XXXX forbearance ended, the account went back into forbearance. While the account was in forbearance, I received assistance from the XXXX  XXXX XXXX, who made payments on my account, which should have kept my account in a Positive status. After, the forbearance ended I was put on a REPAYMENT PLAN, where I was to make THREE consecutive payments before my account was to be considered for a PARTIAL CLAIM. I immediately started making the monthly payments as required, but because the first payment under the REPAYMENT PLAN was not made on the 1st of the month, ( but was paid before the end of the month and moreover, before 30 days of the next month ), it kicked me off of the REPAYMENT PLAN, and automatically went into " LATE '' status. However, NO ONE from XXXX XXXX  EXPLAINED THE REPAYMENT PLAN PROCESS TO ME, nor DID ANYONE contact me DURING THIS TIME TO NOTIFY ME THAT MY ACCOUNT HAD BEEN TAKEN OFF OF THE REPAYMENT PLAN. I CALLED XXXX XXXX  ABOUT AN UNRELATED ISSUE, AND AT THIS TIME IT WAS BROUGHT TO MY ATTENTION! 

At that time the representative told me to continue making payments, and if the account was reported to the credit bureaus, then file a dispute to have the negative reporting removed. I followed every step that they told me to do during the XXXX XXXX hardship process. 

Further, it wasn't until XXXX XXXX  changed their system, that my account become further screwed up. I have said this multiple times in several letters and emails.
Product: Mortgage

I attempted to apply for mortgage assistance, XX/XX/2022. At that time I discovered that the mortgage company had my and my late husband 's social security numbers reversed. In an attempt to correct the social security numbers, I submitted all of the documents that one is required to submit to the DMV in order to become Real ID compliant. The mortgage company did not correct the social security numbers but instead changed my last name in their records to XXXX ( my Maiden name that I haven't used in over 30 years ). 

I began a second attempt at applying for mortgage assistance XX/XX/2022. I am still unsuccessful, as all of the required documents that I submit, result in a " missing information '' letter generated stating that borrower information doesn't match their records. All of their records are incorrect. 

Mortgage company refuses to correct social security numbers on file. They have switched my and my deceased husband 's social security numbers. I can't apply for mortgage assistance because of this. All documentation that I submit generates a " missing information letter because my information does not match their files. 

In an attempt to get my social security number corrected, the mortgage company changed my last name from XXXX to XXXX ( maiden name that I haven't used in over 30 years ). 

Now both my name and my social security number are incorrect, which prevents my applying for Mortgage assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving phone calls from debt collection agencies. I took the time to contact the debt collection agencies as well as the 3 credit bureaus. 
Upon receiving a copy of my credit report I have retrieved the info about an unknown unauthorized account. I was told by the credit bureaus to file a police report for the fraudulent activity on my credit report. 
I have no knowledge of this debt. This is not my debt. The following accounts are the result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am still waiting on 2-3 more fraudulent accounts information. I will be contacting you guys in a week or so with the other fraudulent accounts to add to this report. I would really appreciate these issues being taking care of. I file a police report as well and Ill attach the supporting documents Please remove this fraudulent account. 


Account Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I'd like for my extended fraud alert to be removed. I've tried to call multiple times and seem to only get an automated system.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I noticed XXXX XXXX account # XXXX has been reinserted into my credit file. You are required within five ( 5 ) days of a previously deleted item. I did not receive such notification. Please delete this item immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I wrote TransUnion an dispute letter to remove inquires I did not make nor gave permission to inquire on my credit report. They did not investigate my claims and simply disregarded my letter and sent me a letter saying to respond to the companies.
Product: Credit reporting or other personal consumer reports

Upon checking of my credit report, I noticed that there are a lot of inquiries I don't recognize. I never gave these companies permission to pull up my credit report, applications were done in my name- I don't know what they're doing with my information or how they managed to get it without my authorization, it's seriously stressing me out it's taking a toll on my XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. Spoke with an agent on XX/XX/2020 stated that they would remove XX/XX/2020 late payment and make account current due to mistake on the banks fault XXXX XXXX XXXX - Account was reporting late XX/XX/2020. My account went into deferment due to covid 19
Product: Debt collection

I negotiated a payment option to pay off this debt with the verbal agreement and understanding that this would not be reported to any of credit bureaus. The lady I spoke with lied to me and stated that absolutely so long as youre making payments, we will keep this off of your credit report. Making all the payments that I agreed on last year I received notice from XXXX that I have a collection account derogatory information affecting my credit score. This company lied to me when they stated they would not report this to the credit as I was making payments. I have proof of these payments.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding XXXX XXXX  Account with Balance of {$1300.00} To Whom It May Concern, I am writing to formally dispute the accuracy of the information being reported on my credit file regarding the XXXX XXXX  account with a reported balance of {$1300.00}. This account is incomplete and inaccurate, as the name of the original creditor is not included in the reporting. This omission is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and relevant state laws. 

Issue at Hand : 1. Lack of Original Creditor Information : The FCRA ( 15 U.S.C. 1681g ( a ) ( 2 ) ) requires that a credit report clearly identify the original creditor associated with an account. The absence of this critical information deprives me of the ability to verify or dispute the legitimacy of the debt, and it compromises the accuracy and completeness of my credit file. 
XXXX. Potential Violation of State Laws : Many state laws impose additional requirements on debt collectors and furnishers of credit information to provide transparent and complete details about any account they report. Failing to disclose the original creditor may also violate applicable state consumer protection statutes, further underscoring the inaccuracy of this accounts reporting.

3. My Right to Accurate Reporting : Under the FCRA, credit bureaus and data furnishers are legally obligated to maintain maximum possible accuracy in credit reporting. The absence of an original creditors name makes it impossible for me to verify the debt or take appropriate action, and it reflects negligence in the reporting process. 

Requested Action : I respectfully request that you : XXXX. Investigate the accuracy and completeness of this accounts reporting in accordance with the FCRA and applicable state laws. 
XXXX. Either provide the name and full contact details of the original creditor for this account or remove the account entirely from my credit file. 
XXXX. Provide written confirmation of the results of your investigation and the steps taken to address this dispute. 

This letter serves as my formal dispute under the FCRA. Please respond with your findings and any supporting documentation used in the verification process within the timeframe prescribed by law. 

Should this matter not be resolved in a timely and satisfactory manner, I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office, and to pursue other legal remedies as necessary. 

Thank you for your prompt attention to this matter.
Product: Payday loan, title loan, personal loan, or advance loan

Affirm XX/XX/XXXX XXXX XXXX XXXX I can't see the payment because they have my account locked. I have went through the verification process provided my license and did facial recognition. 
How am I suppose to pay for an account the Merchant is telling me it's blocked and restricted bc it's not me. 
It's being reported on my credit report though. I'm so upset about this I've called several times nothing is being resolved. They keep telling me they will call back within 30 days it's been 5 months. My credit report is receiving derogatory remarks and this is not my fault. I pay all of my bills on time.
Product: Credit reporting or other personal consumer reports

Approximately XXXX days ago, i check my report and i see some information and account thats reporting wrong information.. i demand the credit aganecys to remove all thats accounts from my credit report..
Product: Credit card or prepaid card

In XXXX of XXXX, I authorized a charge on my credit card with Citibank for the first part of a move from XXXX, XXXX to XXXX, XXXX for a third party. When the move was completed, the third party disputed the remainder of his payment due to a breach of contract with the moving company, XXXX XXXX XXXX. Since they did not fulfill/complete their contract as agreed, the third party was not going to remit payment. However, since I had authorized the initial payment, XXXX XXXX XXXX requested payment from Citibank for the final payment and though I disputed it before they released the funding, Citibank paid XXXX XXXX XXXX {$4700.00} from my account and I have been making payments since then. I have disputed the charges and submitted my reasoning to no avail. Citibank has also been charging me monthly interest on this debt that is not mine. 
When " investigating '' my dispute, Citibank allowed XXXX XXXX XXXX to provide a contract between them and the third party as proof of my obligation to pay. However, my name is not on the contract anywhere. Instead of negotiating with the third party, XXXX XXXX XXXX stole the money from my account and Citibank gave the money to them without my consent. I have been paying more than a year on a debt that is not mine in order to keep my credit from being destroyed. 

XXXX XXXX XXXX did not fulfill their contract with the third party and charged me when it was not my contract, not my debt, instead of negotiating with the individual with whom they had the contract. I only offered my credit card initially because the third party did not have one and only had cash. 

Citibank knew before they ever stole the payment that I disputed the charge and it was not my debt. I have contacted them on numerous occasions and they have ignored my attempts to be reimbursed and have the charge and all interest returned to me. 

When I made phone calls and attempted to contact the card company through the chat option, I was left on hold, given false phone numbers and told that once a company has my credit card information, they can charge me any time they like and there is absolutely nothing I can do about it, except cancel the card. 

I feel like this is not only dishonest, but it is theft and I want to know what recourse I have. I also feel, after the way I was handled, that this is common practice for Citibank. How many other people have been stolen from in this manner? And they are receiving interest on top of it! 

I have screen shots of chats on the Citibank site, as well as written documentation of letters I have sent to them in XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft I did not apply for this credit card. 
There is a hard inquiry on my credit that I did not make.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding Experian Credit reporting. I signed up for their monthly membership plan over two years ago and have had access to my credit report so I can monitor it. I have been trying to cancel my membership for over a year now with no use. There is no way to cancel online. They give you a phone number, once you call the phone wait time is consistently over 2 hrs!!
Product: Mortgage

In response to my request I discovered a document called " XXXX XXXX XXXX '' which was " forged ''. 

I never received the TILA Disclosure or Right of Reccission Notice. 

It is my conclusion that not only was the response to my request incomplete but FRAUDULENT. 

I filed a police report aswell.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX Balance Owed : {$46000.00} ; XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more than XXXX times nonstop this is exhausting they are not putting these fraudulent inquiries in dispute and they still haven't deleted them either I am depressed. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 90 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX  from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im homeless n cant provide to my XXXX XXXX  XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be homeless please help
Product: Credit card or prepaid card

Website has been down for days. Phone does not work. Previously the line picked up and there was no sound. Now the phone message that comes when calling says they are experiencing a phone outage.
Product: Credit reporting

I attempted to go through the dispute process with Equifax regarding an erroneous item on my credit report allegedly involving XXXX XXXX. The amount being claimed is {$2500.00}. This item originally was brought by XXXX XXXX XXXX. I complained. I subsequently tried to have my credit cleared. It was then pursued by XXXX XXXX XXXX XXXX after I went through the Equifax and XXXX dispute process. The only cellular phone services I ever used were XXXX XXXX and my current carrier, XXXX. I never had a XXXX account. I am also concerned about the fact that the item appears as " open '' anew once a new collection firm acquires the matter. This is very unfair. I feel that as a consumer, I am being abused by both Equifax and XXXX. They conduct themselves in a manner that is biased against the consumer and favorable to corporate interests. In this instance, I am having a harder time getting this erroneous matter off of my credit report than these corporations have getting them on my report. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently checked my consumer report and I notice that this company placed an unauthorize inquiry on my consumer report. I suspect that my identity may have been stolen and that a possible crime has been committed by your corporation. There are no open accounts tied to this account on my consumer report, nor did I allow this company to report my personal information to any reporting agencies. Additionally, I am a protected consumer, this company is sending me mail which is a form of communication when I never done business with them before, nor did I get proof of my ignition of the account. I am demanding this inquiry to be deleted from my consumer report.
Product: Credit reporting or other personal consumer reports

I received a letter from XXXX last month round XX/XX/XXXX cause I purchased car over XXXX ago and the car had major problems so the mechanic guy came and pulled it to his shop and somehow he ended up keeping the car I credit acceptance and they say the title is with the company credit acceptance but somehow the mechanic got the car and it's on my credit it's stopping me from getting loans cars etc they say I owe but I dont
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required
Product: Credit reporting or other personal consumer reports

I attempted to sign up for Credit Karma, but it indicates that I already have an existing account under the username XXXX. I want to clarify that I have not opened this account, nor have I authorized anyone to create an account in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, nor did I authorize this inquiry on my credit report.