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

In regards to the recent news that Equifax miscalculated my credit scores. I begin researching federal law regarding my rights as a consumer. In my research I saw that in USC 15 Title 94 Chapter XXXX that Equifax is a financial institution by association. They sold my consumer information to other financial institutions that I applied for consumer credit transactions. These financial institutions used this information to make a decision if they would allow me to open an account with them. Equifax also issued a credit score and released this information to the financial institutions that I applied for accounts with. This is fraud as this is not there place as I never gave them permission to do so. In 15 USC 6801 ( a ) Congress makes it clear that each financial institution has the obligation to protect the security and confidentiality of my nonpublic personal information. 15 USC 1681A ( XXXX ) ( XXXX ) says that Congress makes it clear that Equifax assumed this role which I never asked for them to do. Equifax has a grave responsibility to exercise fairness, impartiality, and respect for my right to privacy. Equifax has and continues to violate my rights as a consumer as their consumer reports have damaged my character and reputation when trying to apply for consumer credit transactions with various financial institutions.
Product: Credit card

I inadvertently double paid my balance for my Bank of America card ending in XXXX on XXXX and XXXX. Upon seeing the XXXX charge hit my bank account on XXXX, I immediately called Bank of America and requested that they refund the over-payment. They said it would take XXXX days to process. The credit on my card disappeared immediately after the call on XX/XX/year>, and my account since shows " ACH credit refund '' dated XX/XX/year>. I waited XXXX days, called on XX/XX/year> and they said that there must be an issue, and they would " reprocess '' the refund, and advised me to wait another XXXX  days. After XXXX  days ( XX/XX/XXXX ) I called back again and was told that XXXX days wasn't correct, that it would be XXXX business days. It is now XX/XX/year>, and has now been XXXX business days since that call and I still do not have a refund. 
I am now on hold with this company again. It has been XXXX weeks since they removed the credit balance from my credit card, and I still do not have a refund. I paid both payments via ACH, and asked that the refund be back to the same account from which I made the payments, and asked for the refund via ACH as I was told that would be the fastest way to receive my refund.
Product: Mortgage

My loan was transferred to a new servicer and they are not applying the payments I have already made to my original servicer. I am being harassed with phone calls, mail, and emails and have accrued interest and penalties even though my payments have been made. I have provided the requested proof and they are have requesting more information including my bank statements showing all payments made to mortgage assurance, the old servicer, and the goodbye letter, which i provided but they have not reflected the information and every time I speak to them they change the timeline that this issue will be resolved.
Product: Debt collection

XXXX continues to hurt my credit by saying my private student loan is in active collections. This account, originally owned by National Collegiate Trust and XXXX XXXX, was included on my 2015 Chapter XXXX bankruptcy case. The original lender was contacted regarding my Chapter XXXX petition, and they never responded or took me to court for payment. The judge and court discharged and closed my case. No other lender has done this. All the other accounts that were included in my petition have been closed and say " discharged in bankruptcy '' since 2015. XXXX reports this account as new, and active, which is FALSE.
Product: Credit card or prepaid card

FTC Report XX/XX/XXXX Prior report # XXXX Person believed responsible for the fraud ; XXXX XXXX of XXXX, Utah. 
Additional person believed to be responsible for applying for false credit cards, etc : XXXX XXXX XXXX of XXXX, CA or XXXX XXXX, CA Fraudulent Postal Mail Credit card applications and claims that I did not apply for or do using my name or a version of my name with my social security number. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX *Never applied for XXXX XXXX or XXXX claim from a XXXX XXXX  at my employer, paid cash for one office visit to a XXXX XXXX  and did not need anything further. 
XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX *They keep sending me claim information. I have not opened it. It is denied. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX I never applied for the use of a XXXX through my employer ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX for my payroll. I have had XXXX XXXX and can show proof of such from : XX/XX/XXXX to XX/XX/XXXX. 
Received : XX/XX/XXXX I am reporting this mailing as possible fraud or use of my name and personal employer information. 
MASTERCARD XXXX. XXXX XXXX, GA XXXX False application using a name : XXXX XXXX XXXX at my address : XXXX XXXX XXXX XXXX XXXX, XXXX, Utah XXXX 2 mailings *Did not apply for an application for a credit card through Mastercard . 
XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX, SD XXXX I have never applied for a Mastercard through XXXX XXXX XXXX. Mailing is denied. 
CAPITAL ONE XXXX. XXXX XXXX, VA XXXX *False application made using the name : XXXX XXXX XXXX at my address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX UT XXXX *3 mailings-denied. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX *False application made using the name : XXXX XXXX XXXX at my address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX UT XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX, OH XXXX *False application made using the name : XXXX XXXX at the address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX I need these cleared off my personal credit report if needed or made note of as fraud in the event it is needed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am rewriting to express my concern and resubmit this complaint to TRANSUNION regarding the improper use of my credit report and the reporting of inaccurate information on my file. I previously sent a letter to your office requesting an investigation into certain unverifiable accounts. Despite your assurance of conducting a proper investigation, upon reviewing my credit report, I discovered that inaccurate information persists. The discrepancies include but are not limited to, the date opened, date of last activity, date reported, account status, and payment history. 
It is disheartening to note that such inaccuracies continue to be reflected in my credit report, despite the initial request for investigation. I believe this situation infringes upon my rights as outlined in 15 U.S.C 1681 section 602 A, which emphasizes my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. I kindly request a thorough review of my case and the prompt correction of the inaccuracies in my credit report. Your cooperation in resolving this matter is highly appreciated. I trust that, as a reputable credit reporting agency, XXXX will take the necessary steps to rectify this situation and ensure the accuracy of the information in my credit file. I have attached an FTC report with the report number XXXX to support this complaint.
Product: Credit card or prepaid card

I am continuing to get monthly statements that are affecting my credit. My purchase was cancelled before it even arrived. They continued to charge me for shipping and interest. I paid that to get them off my back but they are now calling again. Ive spoken to multiple people there that confirmed the account should not be active.
Product: Debt collection

I keep getting phone calls from this company regarding a debt that XXXX not aware of. Stop calling old friends and family about this debt thats embarrassing. I would like confirmation of the debt, the original contract, the state this debt originated from, and that you are licensed to collect this debt in my state for this original debt.
Product: Debt collection

Hey, so there is a Bankruptcy reporting on my credit report that should not be on there and reporting fraudulent. Its been 30 days and I never got any feed back on it and by law if there is no response you have to remove the debt.
Product: Credit card or prepaid card

Affirm provided me with a Virtual credit card for a purchase from XXXX XXXX  XXXX. I have paid {$460.00} towards this purchase, but did not receive the item. OnXX/XX/XXXXAffirm sent me the following e-mail : Your recent {$1200.00} transaction at XXXX XXXX  XXXX was declined because we believe this merchant is prohibited by our Terms of Service. 
Your purchase was flagged as potentially prohibited in Section 4 of our Terms of Service. This could have happened if the merchant you are purchasing from uses money transferring services such as XXXX or XXXX or if the merchant sells restricted items such as weapons or drug paraphernalia. Although we can not evaluate each transaction individually, we believe your transaction falls under these restrictions, and unfortunately this decision is final. The Affirm team I reached out to XXXX XXXX XXXX, but was unable to get a response from this matter. 

I was hospitalized for XXXX XXXX at, approximately, the end of XXXX and am just now able to respond to this email from Affirm, but, as stated, their website does not have a phone number where I can reach them regarding this matter and obtain a refund. 

Please assist me in obtaining a refund of the {$460.00} paid toward this purchase, which was not received and which Affirm is telling me they are unable to process, despite their accepting money toward the loan, which I thought would be fulfilled. 

XXXX XXXX ( XXXX )
Product: Credit card

I recently registered for Bilt and applied for their XXXX after learning that it could be used to pay rent and earn rewards. Upon registration, I was directed to the wallet section, where my associated credit card was listed. The app stated that I could earn points and benefits on eligible purchases, where I would receive rewards for credit card purchases and additional Bilt points/credits without extra fees. I also linked my bank account to the Bilt wallet since it was indicated that I could use ACH payments even if my Bilt XXXX was not yet ready or approved. 

When I attempted to use the " Pay Rent '' feature, my Bilt XXXX had not yet been approved. I selected the Pay Rent Online option, which provided a specific routing and account number associated with the Bilt account. However, instead of processing the payment via my linked bank account, the app defaulted to charging my XXXX XXXX XXXX card. This card was only enabled in the wallet section for earning rewards ; I never authorized it for purchases or payments. 

I did not proceed with the payment as shown in Step 1 of the app interface ( referenced in the attached image ). However, I was still charged a 3 % service fee on a large transaction I did not authorize. This could have been avoided had I known that the app would use my credit card instead of my linked bank account for the payment. I would have simply used ACH directly from my bank.
Product: Student loan

I got a call from a XXXX Agent claiming to relieve the loans I have through their debt relief program. Being naive I gave them my SSN and applied for their program. I've made 2 payments but realized something was fishy and decided to login to my FSA student account. I saw that my loans where forgiven by the XXXX administration and that I have {$0.00} loans to pay back. On XX/XX/XXXX I logged back into my account and realized SOMEONE HAS COMPROMISED AND STOLE MY IDENTITY AND APPLIED FOR THE SAME AMOUNT OF LOANS FROM A STUDENT LOAN SERVICER I NEVER HEARD OF UNDER MY NAME. Which didn't make sense because my loans just got forgiven and I'm not in school anymore! 


I went to check the email linked to my FSA student account and saw an on XX/XX/2022 saying I received an email from a Student loan Servicer call Mohela about taking out a loan for the amount of {$13000.00}. I NEVER authorized this payment! The email also included that they have been trying to call me and mail to my address but the address they have on file is invalid. So that means someone is using my SSN along with invalid information to attempt to apply for a student loan in my name. 

The file is currently still being processed but I need it to be canceled and the loan Disputed, BECAUSE ITS NOT ME!
Product: Checking or savings account

The bank on 3 occasions cashied a check that did not belong or originat from my account but withdrew the fund from my account. The teller made a mistake and typed in my account number. I requested copies of all checks the were cashied from my account to see if any other checks were cashed erroneously wrong and they will not provide copies.
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as Equifax, XXXX and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} Late/Closed XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$XXXX} Charged off XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$XXXX} Late/Closed XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$XXXX} Charged off XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} Late/Closed XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the late on my macys account is inaccurate i have tried to called the creditor and they sent me a letter hence attached for which they approved of being inaccurate and removed from bureaus. 
but the bureau are not cooperating to have this removed please help me to remove thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter requesting that you reinvestigate the disputed accounts from my credit report as well as UPDATE these accounts from my report during the investigation period. As of this date, you have failed to respond to my request. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance {$2900.00} The late history should not be showing late because I think I paid on time. Please update the late payments from this account. 

XXXX XXXX XXXX / XXXX XXXX Balance {$160000.00} I formally request the removal of late payment from this record. I don't think I was late in the months reporting. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 

XXXX XXXX XXXX XXXXXXXX XXXX Balance {$2100.00} You are reporting inaccurate information on this account. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past year I have been working to not only repair my credit but remove fradulant credit information from my reports. I have taken all necessary actions to report this info from filing the neccessary paperwork with the Federal Trade Commission as well as filing a police report at which all 3 credit bureaus have received and been notified of the beginning of this year. I have recently sent via certified mail request to remove the referenced accounts from my report as well as inquiries that where not authorized. My information has not only been stolen but also my information has been leaked in numerous breaches which include, XXXX breach, Equifax Breach, XXXX/XXXX Breach, XXXX XXXX corporation Breach and XXXX. To date on 1 credit bureau has complied with my request and removed the accounts. I am now writing to request that you assist me with having Equifax and XXXX comply with my request. Majority of the accounts where opened online. And being that all my information was leaked in the Equifax breach, great consideration should be taken as that breach not only disclosed my social but my addresses, drivers license number, DOB and credit information. I would appreciate getting Support to have the accounts and inquiries removed. As I have done everything on my end in reporting this information.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX Balance : {$200.00} XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

E*TRADE initiated a new fee last month for their high interest checking. In their communications they stated that the new $ 15 monthly service fee applies to accounts with average daily balance below {$5000.00}. Last month my average daily balance was approx. {$8000.00} and E*Trade paid my monthly interest payment on that amount yet still charged me the {$15.00} for being below the average of {$5000.00}. I have contacted the bank multiple times to resolve and they repeatedly tell me they will investigate but I have received no resolution and they have not reversed the charges.
Product: Credit reporting

- I Got a copy of my Experian, XXXX and XXXX Credit Reports on XX/XX/2017. 

- I Found an Unknown Fraudulent Account with XXXX - Account Number XXXX being reported only on Experian Credit Bureau - I Sent Experian a Dispute Letter and request for validation on this unknown account on XX/XX/2017 by USPS Priority Mail Tracking # XXXX - Experian received the Dispute Letter on XX/XX/2017 as USPS tracking system shows. 

- Experian Fraudulent Verified this Unknown account and Updated on XX/XX/2017, they claim to have verified the information in the record and identified the provider of the information as XXXX. 

- On XX/XX/2017 I Contacted XXXX and questioned them about this Fraudulent account, they denied having this or any other account in their records that will match my name and social security number. 

- As of XX/XX/2017 Experian is still Fraudulently reporting this Account in my Credit Report - I have attached proofs of this whole process - To Whom It May Concern Please be advised that I have request " Validation '' not Verification. They failed to provide me with verifiable information substantiating that this Unknown XXXX - Account Number XXXX is indeed accurate and did not do so within 30 days.This reporting is a clear violation of the Fair Credit Reporting Act. As a result, I have been gravely affected and my score is suffering. 

- Due to all of the above, I am requesting that this Unknown Fraudulent XXXX - Account Number XXXX be permanently removed from my Experian credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00}.
Product: Credit card or prepaid card

My credit card with Capital One started having problems around XXXX when I was given credit limitations and they seem totally inappropriate for my account and I had a bank account with them. My card got stolen and then I got a new card that got eaten up by a Capital One ATM and nothing was ever done about it. I found out that they were only giving me like basically a {$500.00} limit for the entire card which I found very hard to believe and my credit score was that XXXX before this happened.
Product: Checking or savings account

Somebody put a fraud check in my checking account this person has my account information gave out my personal information my social security number, my email address, my ID my full name etc I want this person off all my accounts someone hacked into my account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 a background check was conducted by First Advantage in the form of a First Advantage National criminal file search. In the background check it list one of my charges as quote XXXX threats with intent to XXXX  another. The actual charge should be XXXX threats with intent to XXXX another.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED THIS ACCOUNT ( IDEAL COLLECTION SERVICE OPENED XX/XX/2018 ) WITH THIS BUREAU TIME AFTER TIME FOR THE LAST 3 MONTHS. I HAVE NOT RECEIVED ANY PROOF BACK OR ANY TYPE OF RESULTS. THIS ACCOUNT DOES NOT BELONG TO ME AND I DID NOT AUTHORIZE ANYONE TO OPEN THIS ACCOUNT. THE BUREU OS NOT COOPERATING WITH ME AND THIS ACCOUNT IS HINDERING ME FROM OBTAINING ANY FURTHER CREDIT.