23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

1.   XXXX   XXXX   2.  XXXX  3.   XXXX   4.  XXXX  5.   XXXX   XXXX   6.   XXXX   XXXX   7.   XXXX   XXXX   XXXX   8.   XXXX   XXXX   9. Chase Bank To whom it concerns i recently pulled my credit report and noticed fraudulent errors dealing with the company 's listed above. I 've contacted these company 's by phone email and mailing certified letters. I have n't received any documents, phone calls nor emails from the banks, credit bureaus and The  XXXX . It has been over a period of five years since  XXXX /2012 and current. I 've asked the company 's to send verifiable documents of any signatures pertaining to me but i still have n't received any documents back yet. I have not been able to open an account in over 5 years and have n't open any accounts because of this fraudulent error where my identity was used to open the accounts listed above without my consent. Identity theft is one of the biggest crimes and it 's an ongoing crime that i have no control over. During this period i also lost my wallet that had my license, social security card, birth certificate and more. This is been an uncomfortable situation that i had to deal with for a very long time and its affected my life. It 's difficult to work a job and get paid where i can not put my money in the bank because someone used my identity to open several bank accounts under my name.
Product: Debt collection

I have making monthly payments since XX/XX/XXXX. I just sent the XX/XX/XXXX payment and they keep calling even though Ive asked them to stop calling and I wrote them a letter and the continue to threaten me. They also added {$2000.00} to my debt because they say its what they need to charge to collect the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX 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 XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached documentation. 

My complaint is for XXXX XXXX XXXX XXXX and all 3 Credit Agencies. I have been trying to resolve a known issue with incorrect " Past Due/Payment History '' that XXXX XXXX XXXX XXXX for XXXX XXXX XXXX. XXXX XXXX agreed that the Past Due/Payment History is wrong, and that they would correct it. 

SinceXX/XX/XXXX, I have documented repeated attempts to get my credit history corrected. It is XX/XX/XXXX, and still do not have my Credit Reports corrected. 

BEWARE of XXXX XXXX XXXX XXXX.
Product: Student loan

Due to Covid, I took a short forbearance on my FFELP loans owned and serviced by Navient last XXXX. I did not qualify for the Ed loan forbearance or zero interest program under the Cares act. However, Navient offered their FFELP consumers the option to do a 90 day forbearance. Due to the date I requested the forbearance XXXX late XXXX XXXX my XXXX payment was pulled as Im set up on auto pay. The XXXX payment appears to only have been applied as a half payment- despite the fact I paid the full amount. I did not pay for XXXX or XXXX of XXXX, but my payments resumed as usual in XXXX of XXXX. So the forbearance in my case was actually for 60 days, not 90. Last week, I was reviewing how my payments have been applied because my balance should be lower than Navient shows. When I viewed the individual payments for XXXX, XXXX, XXXX of XXXX, 100 % of $ 658 monthly payment had been applied to interest. Nothing had been applied to the principle. Prior to the 2 month forbearance, my payments had been {$8.00} less, so I was already paying the new interest amount that had accrued during the 60 days. I inquired why nothing had been applied to principle after my payments resumed, and received a one sentence email stating it was because I took a forbearance. This seems erroneous to me. They increased my payment by {$8.00} per month for the remainder of my loan to adjust for the 60 days of interest they didnt receive, then took 4 months of payments at {$650.00} each and applied it to interest only? Im disputing this because not only do I believe that forbearance scenario was handled in error, I believe that my entire account has been mishandled. I began making payments on these loans in XXXX with an original balance of {$34000.00} and now my outstanding balance is still $ XXXX. Something is just not adding up.
Product: Credit reporting or other personal consumer reports

I am submitting this follow-up regarding my formal complaint about unauthorized inquiries currently recorded on my credit report, which contravenes federal law. Despite previous communications and my explicit instructions, the credit bureaus have not adhered to the Fair Credit Reporting Act ( FCRA ) by failing to eliminate these inquiries. The inquiries in question are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

Timely payments have consistently been upheld on this account, ensuring they never lapse into overdue status. The rationale behind reports of late payment remarks on my accounts XXXX me. In accordance with 15 USC 1666b - Billing Error, corrections should be made.
Product: Debt collection

I disputed a debt collection letter I received on behalf of A Visual Affair. The bill received from the office was for {$160.00}. They reported the debt to be XXXX to Valley Credit Service Inc ( VCS ) a debt collection agency. I contacted the business manager of A XXXX named XXXX XXXX who told me they sold the debt to VCS and that the additional XXXX was added on to as an administrative fee by VCS. I asked for XXXX XXXX to verify for me that VCS added on this administrative fee before I would pay it in a conversation that I told him would be recorded. In that conversation, he assured me he would contact me back and ensure that was the case. I never heard back from him. 

When I spoke with VCS and paid the {$160.00} I owed, she informed me that their company did not buy debts and that their company did not add on an administrative fee of {$160.00}. I disputed the remaining balance of the debt with VCS. A XXXX XXXX then sent me back the same invoice for only XXXX but certified that I still owed them {$160.00} without providing an invoice explaining the charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

The website does not allow any login after updating my password several times, and the security freeze I have place on the account is no longer working. There is a problem with updating my email address, and my last email address is compromised, someone else is reading the emails.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, discovered several violations of the Fair Credit Reporting Act ( FCRA ) and related laws that directly impacted my credit report and personal information. Heres a summary of the issues : Failure to Verify Credit Information : Under FCRA Section 616, I found that inaccurate credit information was accepted and reported without being verified for accuracy, which constitutes willful noncompliance. 

Lack of Disclosure Regarding Personal Information : As per FCRA Section 603 ( d ) ( 2 ) ( A ), my right to opt out of sharing personal information was not disclosed, violating my consumer rights. 

Reporting Inaccurate Information : In accordance with FCRA Section 623 ( a ) ( 3 ), deceptive and inaccurate inquiries and accounts were furnished to my credit report without proper validation. 

Unfair Practices and Harassment : Debt collection activities violated the Debt Collection Practices Act, including reporting false debts and accounts, leading to undue distress and unwanted contact from creditors. 

Unauthorized Sharing of Debt Information : Debt collectors disclosed my information to third parties, breaching regulations on acquiring location information and privacy. 

Improper Late Payment Reporting : Late payments were reported without clear definitions, violating the principle of accuracy and misleading creditors. 

Incorrect Finance Charges : The credit reporting agencies failed to determine finance charges accurately, which is required under the law. 

Unauthorized Reporting : Information was reported on my credit report without obtaining my written consent, violating FCRA provisions on permissible purposes for consumer reports. 

These issues have led me to demand corrections, including updating late payments to reflect accurate payment histories, removing unauthorized or inaccurate accounts, and deleting unauthorized hard inquiries and incorrect personal information. I expect the credit reporting agencies to comply promptly with these requests to rectify these violations. If they fail to do so, I am prepared to pursue all legal remedies available under the FCRA and related laws.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I currently reside at XXXX XXXX XXXX XXXX, CA XXXX. My date of birth is XX/XX/XXXX and my Social Security Number is XXXX. I am writing to you regarding a few discrepancies I have encountered in my credit report. I am a victim of identity theft and I need your help to remove these fraudulent accounts, inquiries, and addresses from my credit file. While checking my credit report, I noticed an account I did not authorize made by the following that I will be listed below. I did not authorize any of these employers/employees at these companies to approve or view my credit report. This is a serious breach of my privacy rights and violates the Fair Credit Reporting Act 605B. I would like to request that these accounts be immediately removed from my credit file that XXXX has under my Social Security Number. I am requesting that you place an immediate block on the following fraudulent information in my credit file within XXXX  days of receipt of this correspondence.

Also, I found a fraudulent address and inquiries. Please block this fraudulent information per section 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act.

FRAUDULENT ACCOUNTS! 
XXXX XXXX Balance : {$21000.00} Balance updated : XX/XX/XXXX Credit limit : {$20000.00} XXXX XXXX XXXX XXXX Open/closed : Closed Date Opened : XX/XX/XXXX Account type : Revolving XXXX XXXX Balance : {$16000.00} Balance updated : XX/XX/XXXX Credit limit : {$15000.00} XXXX XXXX XXXX XXXX Open/closed : Closed Date Opened : XX/XX/XXXX Account type : Revolving FRAUDULENT INQUIRIES! 
XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX FRAUDULENT ADDRESS! 
XXXX XXXX XXXX XXXX, CA XXXX
Product: Checking or savings account

I have lost access to my business checking and savings accounts since Thursday XX/XX/2024.
Product: Mortgage

I lost my husband due to XXXX. I am on the title, but not the loan for our home. The estate has gone through probate and I am now sole owner listed on the record. I sent this information to SLS and with a loan modification request. I DO NOT want to lose my home. I can afford it, if I can consolidate two other loans. A simple refi/loan modification would solve this. However, SLS, instead of completing due diligence simply closed out my request for a modification. I am requesting that this modification be opened again. In addition, I received another letter also attached stating they needed information that I had already sent in with the loan modification. This is an extremely stressful and emotional time. Again, with some refinancing, I can afford my home and do not want to lose it. I am requesting that you investigate and hopefully streamline
Product: Checking or savings account

I opened a Citibank checking account online in XXXX of 2021, but the checking account was closed by Citibank for violating bank standards, even though I never even used the checking account at all. Citibank is discriminating against me based on my race, me having a Chapter XXXX bankruptcy discharged on my credit report, and Citibank is denying me an opportunity to open up a checking account, and secured credit card with the bank. Citibank is in complete violation of the Equal Credit Opportunity Act ( ECOA ) under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND TRANSUNION IS SHOWING AN OLD DELINQUENT ACCOUNT AND ITS IMPACTING MY CREDIT SCORE AND ALSO IS IMPACTING ME IN A NEGATIVE MANNER WHEN SEEN BY OTHER FINANCIAL AGENCIES. THIS DEBT IS OUT DATED AND ALSO BEEN PROVEN TO BE NOT MY RESPONSIBILITY ALSO HAS BEEN REMOVED BY XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to let me dispute an error on my report and says they are only required to investigate any account one time. Any attempt to file a dispute for a different reason they claim is a duplicate dispute. They will deny you the right to refile a dispute or provide any evidence to show their error. Experian says you may upload documents but their website will not allow it and they are fully aware and have been aware of this problem for years.
Product: Credit card or prepaid card

My card was stolen and I am unable to get another card through them because there isn't a place for me to show that my car has been stolen from me I was finally able to get into my account and I froze my card but now I just need to cancel it and get another card to replace it
Product: Credit card or prepaid card

On XX/XX/2019, three transactions occurred at locations I never went to use my XXXX  credit card. First two transactions at {$300.00} ( XXXX XXXX XXXX XXXX, Ohio XXXX ) and the third at {$310.00} ( XXXX XXXX XXXX XXXX XXXX, Ohio XXXX ). I have ONLY used this credit card in XXXX, Ohio and XXXX, Ohio. So there are three fraudulent transactions which took out {$930.00} from my credit card balance.
Product: Money transfer, virtual currency, or money service

Venmo is retaining my funds unnecessarily. They suggested I find another service, I don't understand what happened. I need the funds to survive, after explaining that my account is deactivated and I can not recover my funds.
Product: Credit reporting or other personal consumer reports

I have submitted a dispute for incorrect information on my credit report. A debt that has been settled is being reported incorrectly. The debt collectors have settled with me via their lawyer and I have paid in full. I have included all proof of this to transunion. After attempting to submit more proof via their online portal that did not work, the investigation concluded that the debt is accurate when it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 accounts on my report I disputed. I explained this bank put these accounts on my report after my bankruptcy and they were included in the bankruptcy. Chex system Constantly states the bankruptcy was filed prior to the dates associated with the account. Yes it was in XXXX of XXXX and this company report XXXX of XXXX after they were included in the bankruptcy.
Product: Credit reporting or other personal consumer reports

my rights are being violated under USC 1681a [ I ] the company has been notified that this information is a result of identity theft due to several data breaches including the SSA, and XXXX breaches I have received settlement checks because of this and Transunion is refusing to remove first premier {$740.00}, and multiple hard inquiries that should not be on my report I demand that these fraudulent information be removed with in the proper frame time and is blocked from my report within 4days of validation of FTC identity theft report
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax discovered that from midXXXX through XX/XX/XXXX their files were accessed by individuals outside of the company. Because my personal information was stolen I believe Equifax should be liable in the event that I am harmed by this data breach. I do not know the extent of the damage as of yet and I may never know.
Product: Debt collection

i had switched from XXXX to XXXX, XXXX was to pay the phones off from XXXX but nobody was responding and i only had a certain amount of time and before i knew it i was being placed in collections. I never got any calls back when i kept asking about paying off the other phones and they were charging me for XXXX that they had told me were free with my phone purchase. I was placed in collections on XX/XX/21 and i had no idea until i checked my credit report to purchase a home. the amount is for XXXX the collection agency they are using is called Southwest credit systems
Product: Credit card or prepaid card

Here is a copy of the certified letter I sent to XXXX XXXX Apple Card : XX/XX/2020 Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Case # XXXX I am writing in regards to the above case number. On XX/XX/2020 I had my identity stolen by way of my mobile phone number, ( XXXX ) XXXX, being ported out by a scammer. They moved my number to a burner phone and were able to access my XXXX ID which gave them access to numerous passwords and the ability to use XXXX XXXX  as if it were theirs. They went on a spending spree in XXXX XXXX XXXX using Apple Pay and my Goldman Sachs XXXX XXXX. I immediately contacted your company to report the fraud. I made a report to the XXXX Police Department on XX/XX/XXXX, case # XXXX. During the month of XXXX there were approximately 143 transactions which included your company reversing the charges on a majority of the fraudulent charges. A balance of approximately {$1400.00} remained on the account and over the course of the past 6 months I have been in contact with your company via phone or text through the app. Every month I have been told that the charges were still being investigated. Every conversation is supposedly recorded so please feel free to go back and check. I recently received a letter in the mail stating again that I was late and was being reported to the credit bureaus. Yesterday I spoke with XXXX in the fraud department. She stated that my case had been closed in XXXX and found in favor of the merchant! I checked XXXX and you reported me as being late for 3 months and dropped my credit score by 60 points. This is completely unacceptable. Per Federal Regulation Z you are required to prove that the transactions were not fraudulent You have not done this. In fact you cleared up every other fraudulent transaction except this last one to the XXXX store. Also per Regulation Z you can not report this as delinquent while this transaction is in dispute AND it is still in dispute as I never made or authorized any of these charges, including this one for {$1300.00} on XX/XX/2020 Ref # XXXX. AGAIN, you have never proven this transaction was authorized by me. I find it interesting that you agreed all the other charges were fraudulent and credited me for those fraudulent transactions processed during this time accept for this one transaction, XXXX, that is associated with your XXXX credit card! 
Per my federal rights I am demanding that you immediately credit my account for this fraudulent transaction ( or transactions if there were more than one ) and clear my name and credit report with the credit bureaus. I find it disheartening that a financial institution such as yourselves are resorting to shady business practices in an effort to defraud your cardholders and save a buck. I am beyond frustrated in dealing with you, with this dispute, since XXXX. If this is not resolved immediately I will be filing a report with the Consumer Finance Protection Bureau.
Product: Checking or savings account

I have an XXXX account with XXXX XXXX and for years the minimum balance to maintain the account without a monthly fee has been {$1000.00}. I have never paid a fee. I just turned XXXX and am in the process of winding down the account but have been using it to pay recent expenses since I can no longer contribute to the account. My plan was to withdraw the entire balance when it was just above {$1000.00}. However, in XXXX I noticed that a maintenance fee was charged to my account. When I inquired and asked that the fee be refunded, I was told that the fee is charged if the account balance is below {$5000.00}! I told XXXX XXXX that I was never notified of this change or I would have withdrawn the funds and closed the account before the maintenance fee was charged. I then withdrew the remaining funds in the account and demanded a refund and told XXXX XXXX to close the account. They have ignored me. I do not even know if the account has been closed. They are impossible to reach and never respond directly to the multiple messages that I send to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a request to Equifax which they received on XX/XX/2022 to BLOCK and delete the transactions on my consumer report identified as identity theft. I explained in my letter in detailed that my request to block was NOT made in error, my request to block information was NOT based on a material misrepresentation, as well as the information identified is not information relating to any transaction by me the consumer. 

The company said that they are denying my request to block and delete these transactions because of one or more of the following reasons below based on the company 's review that : 1 ) your request to block was made in error, 2 ) or, your request to block information was based on a material misrepresentation, 3 ) or, you knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block. 

I explained to Equifax, I specifically wrote this is my original letter sent out to EQUIFAX as well as what steps did XXXX and these companies take to VERIFY THAT I ACTUAL HAVE THE POSSESSION of these items. how can they prove this? XXXX XXXX, XXXX XXXX, XXXX XXXX AND EQUIFAX keeps reporting this information which I also never gave them permission for. How are they verifying that i am NOT a victim of identity theft. when I am a victim of identity theft! 

I called serval times and spoke to different Equifax representatives and said they can not continue to report this information on my consumer report and they said they can because the companies verified that this is accurate? but what about my rights? what about my PRIVACY? do i have a right to privacy especially when this resulted from identity theft? 

HOW? how can they determine that this is NOT identity theft when I'm making a COMPLAINT that this is identity theft. This request was not made in error. Please I attached a FTC report my driver license! Please delete. EITHER prove that i have the actual possession of the item? EITHER PROVE WHERE IN MY HOUSE THESE ITEMS YOU SAY I HAVE ARE? OR DELETE THEM.
Product: Mortgage

Send in payoff in amount of {$190000.00}. Lender applied XXXX as payment due XX/XX/XXXX and placed {$190.00} XXXX in Escrow ( taxes and /or insurance ). in violation of the terms of the note, dot and XXXX XXXX XXXX disclosures. No discharge provided- invoiced for XXXX payment. On hold for 1 hr 38 minutes- listing to tape describing Bank `` legendary " customer service.