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

I AM A VICTIM OF IDENTITY THEFT SOMEONE USE MY PERSONAL INFORMATION WITHOUT MY CONSENT AND KNOWLEDGE TO OPEN UP FRAUDULENT ACCOUNTS PLEASE DO NOT OPEN ANY ACCOUNTS WITHOUT CALLING FIRST ( XXXX ) XXXX I am writing to request and initiate a formal complaint against XXXX   XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Checking or savings account

XX/XX/2021 I, a consumer was denied to opening a new account and applying for a open end credit as a result from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to the banker named XXXX Banks who used my social security ( credit card ) informed me I was denied in respects to my consumer credit report from XXXX XXXX Pursuant 15 USC 1602 ( g ) As a consumer it is my right to extend credit and I have been violated for unlawful conduct in regards to denial of credit. I demand Bank of Nevada take notice of 15 USC 1681 ( a ) ( i ) and 15 USC 1681b the usage of my consumer report does not include determination on my approval of extension of credit directly or indirectly.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my Complaints # XXXX, XXXX, XXXX & noticed that you have closed my complaints last XX/XX/XXXX. It appears that my credit file has been compromised. Since Im a observance of something I found that under section 605b of the FCRA Credit Bureaus are required by law to remove any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these following items : XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX Balance : {$660.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$250.00} ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX
Product: Student loan

I am in the Public Service Loan Forgiveness program and need to sign up for a repayment plan that maintains my eligibility for this. The Loan Simulator on the studentaid.gov website was very difficult and wouldn't account for my husband and I filing jointly, not having our individual XXXX  ). 

I called my loan servicer, MOHELA, for more accurate information -- but they did not tell me I could self-report and use my income from XXXX for up to six months. They asked for my XXXX from XXXX and then could not calculate an accurate estimated payment because I didn't have my individual XXXX, just my husband and I 's combined XXXX, since we filed jointly. It was not at all a payment amount that was accurate, but they told me to apply online with this information anyway. I knew the window for applying for a repayment plan was closing soon, so I did what this person told me, but it's still processing -- my application that is, and my " payment '' is due in 2 days, but I don't know how much I owe and they have not put me in administrative forbearance. 

They also couldn't confirm whether or not the payment I was to make XX/XX/XXXX ( which was based off my old repayment plan in XXXX ), would count towards my PSLF if they didn't process my repayment plan application by XX/XX/XXXX. 

I called today and was on hold for 5 hours and 51 minutes and then was disconnected! I took all day off to deal with this and then was hung up on. MOHELA had so much time to prepare for repayment and they're botching this. They're causing so much undue stress and financial trouble for student loan debtors. Please do something! WE NEED YOUR HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.

This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX Opened Date XX/XX/2015 Balance {$23000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 u.c.s 1681 section 602 a. states I have the right to privacy 15 u.c.s.1681 section 604 a section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXAccount number XXXXXXXX XXXX XXXX XXXXXXXX  XXXX INQUIRIES XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

Capital One Bank has illegally closed my account. I called in on XX/XX/2022 to dispute 2 transactions which were {$2000.00} from XXXX and a XXXX payment for {$1500.00} that I did not not initiate on my account, the account tenure was over 1 year. On XX/XX/2022 I called in to check the status of my claim. I was told by XXXX, agent id XXXX, that I will be receiving the disputed amount of {$3500.00} between XXXX XXXX XXXX. This morning, XX/XX/2022, at XXXX a.m I received an email stating that I had to call in because of suspicious activity on my account. I immediately called capital one customer service number XXXX, a capital one customer service representative agent id XXXX, she stated that capital one has decided to close my account because I pose a risk to the bank. I asked XXXX was this a discretionary decision made, which she did not answer. She kept repeating herself lying to shield herself from any accountable, and refusing to answer questions I can legally ask as a consumer. I also spoke with the fraud department supervisor XXXX, agent id XXXX, and she also hid behind shady business policies imposed by Capital One. This company is using predatory tactics that linger investigation to negate their refund policy for disputes, which states that customers will receives a credit for funds disputed until the investigation is complete. The representatives refuse to divulge any information that explained the reason for a lengthy investigation after the closure of an account. This tactic is used in an attempt to surpass individuals ignorant to the bank procedure and process. Capital One is illegally withholding information from customers and bullying consumers to believe this is policy.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Subject : Dispute of Charge Card on Credit Report I am writing to formally dispute the inaccurate information regarding a charge card on my credit report. I believe this account should be removed due to inaccuracies that violate the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which grants consumers the right to dispute inaccurate information in their credit reports. 

I am requesting the removal of this charge card from my credit report based on the following reasons : 1. **Inaccuracy of Information : ** The account does not accurately reflect my payment history or account status.

2. **Failure to Verify : ** I have previously disputed this account, and the information has not been adequately verified as required under 15 U.S.C. 1681s-2 ( a ) ( 8 ). 

Please conduct a thorough investigation of this account and provide me with the results of your findings. If you are unable to verify the accuracy of this charge card, I request that it be removed from my credit report. 

I would appreciate your prompt attention to this matter. Please send all correspondences regarding this dispute to my address listed above.
Product: Credit card

I was issued a Credit Card from Bank of America in 2013. I have been making payments each month. I hardly make purchases on this card, due to I only wanted it for emergency reasons. I made a purchase the other day. and it was declined. I called the Credit Card Compnay, and was told my account was closed. I never received a noticed of this closesure, and they proceeded to tell me a noticed was sent out. As I looked over notices that I did not know were available on my online account. All noticed were statements, and not one indicated they were closing my account. I am really upset with this company, I have banked with them for many years, and this is how they treat me as a long time customer.
Product: Money transfer, virtual currency, or money service

Sunoco on XXXX XXXX XXXX XXXX XXXX XXXXXXXX charged my account XXXX  times in the amounts of XXXX, XXXX and XXXX ( XXXX total ) on XX/XX/23, no gas was purchased. The POS system displayed a pin pad error. I have not received my XXXX in XXXX  days.
Product: Credit reporting, credit repair services, or other personal consumer reports

All the major reporting agencies have the documents that showed XXXX  XXXX XXXX was removed from the report in XX/XX/XXXX because it was more than 7 year 's since last payment was XX/XX/XXXX, now that XXXX XXXX  has the same account that was deleted, and reporting false information, the credit reporting agencies are refusing to delete the account that is XXXX XXXX XXXX.
Product: Mortgage

Broker created a bait and switch, had multiple errors throughout the process ( APR pricing, closing costs, dates ), requested the same documentation multiple time and intentionally delayed the closing by being unresponsive, unprofessional and unclear. 

Through the underwriting process the Broker had several errors in pricing, costs, dates, had several oversights in documentation already provided, requested the same information from multiple sources all in an effort to intentionally delay the process. Broker was also unresponsive for long periods of time. 

Ultimately, he intentionally delayed so that he could raise rates and costs. 

Bait and switch, pricing and costs transparency, did not operate in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a copy of my current account summary from XXXX and it clearly shows that this account is current. I have never missed a payment on this account and consequently the late that is reporting is in error. This false reporting of a late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Mortgage

We unfortunately got behind on our mortgage payments due to job related issues and had agreed to a repayment plan. We were told that we could repay the loan but were not told we had to pay an upfront sum of money which we did not have. In the meantime we were making scheduled payments. Freedom mortgage then demanded we pay the amount owed. By this time, we had come into some money and were able to catch all our payments up. The repayment amount still shows up on our account and the balance owed never shows that we are current on our payments even though we are. Freedom Mortgage even lost our payment one month and we had to send them our bank statement so they could see they received the payments, and the payments were never returned to us. There are also charges of over {$4000.00} that we have no idea why they are on our account.
Product: Student loan

Borrowed with sallie Mae in XX/XX/XXXX using my grandmother as a cosigner. She was going to take care of the loan. Grandmother got sick and ended up in a XXXX and then passed away. I was living on my own since I was XXXX. Was in an XXXX marriage XX/XX/XXXX-XX/XX/XXXX. Graduated in XX/XX/XXXX and have been working to financially recover since. Financial hardship resulted in a default on sallie mae on XX/XX/XXXX after attempting deferment and a few payment arrangements. Called on XX/XX/XXXX to attempt to make arrangements for payment. Was notified of the default status and no payment arrangements was allowed. Sallie Mae representative was rude and harsh. Commenting on my financial situation and my lack of responsibility of the loan. Told me the only thing that would be allowed was paying the lump sum of the balance immediately, even though the loan is still owned by them until XX/XX/XXXX. Asked for XXXX $ and told me I was in a bad situation. Told me the next step is legal action. Had me sobbing on the phone. I was disgusted by the way he talked to me and the fact that sallie mae would rather take legal action against me then accept payments I 'm offering. Communication was poor. Help and options were still financially straining.
Product: Student loan

I submitted a complaint ant it was given Complaint # XXXX. I just received a letter that it was suspected of being submitted by someone else so it was just cancelled. This is especially disheartening in that I submitted this myself and complained to a government agency who just cancelled it without verifying it or looking in to it. If it was suspected of being from someone else, shouldn't that be verified prior to just cancelling it. If CFPB won't take the complaint and the Department of Education Ombudsman won't reply, who I am supposed to go to? 

Please look at this original issue. I believe I have been given terrible advice through the years by both XXXX XXXX and Fed Loan Servicing on my XXXX XXXX XXXX XXXX. I am an XXXX XXXX stationed in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  claims they are servicing a loan for the   XXXX   XXXX   XXXX   XXXX    XXXX .   XXXX   XXXX    XXXX   XXXX   XXXX  was conveyed a Trustee 's Deed on  XXXX   XXXX .   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  filed a Forcible Entry and Detainer Suit in  XXXX .   XXXX   XXXX   XXXX   XXXX    XXXX  was awarded Judgment of Possession in  XXXX   Court and County Court  in  XXXX . I filed a lawsuit to enjoin a Wrongful Post-foreclosure eviction. On  XX/XX/XXXX  in open Court,   XXXX   XXXX   XXXX   XXXX    XXXX  's advised the Court they would not eviction me during the pendency of the lawsuit. This lawsuit is currently pending in the  XXXX  District Court,  XXXX  county Texas.     On  XX/XX/XXXX ,  XXXX  's attorney admitte d in Open Court th ey were only responding to a dispute letter. They had sent me no default letter, notic e of Acceleration, or notice  of foreclosure. However, my credit report shows I 'm delinquent.
Product: Debt collection

On XX/XX/XXXX Portfolio recovery reported a {$470.00} collection account to my credit report, I contacted them explaining i never owed this debt however they said " I actually made payments on it '' which never happened they said this was a XXXX card and it had a New York address on it, I contacted XXXX they stated that my account is 100 % clear and i don't owe anything to them, After back and forth i learned that this debt belongs to XXXXXXXX XXXX which i contacted they said they'll file a report and they'll mail me the result within 60 days I've never gotten a single letter. 
On XX/XX/XXXX and 2 years prior to that I was literally living over XXXX miles away from the address they stated. I disputed the item to the credit bureaus but to my shock it came back validated. This collection impacted my credit with XXXX points and made it way harder for me to obtain credit. 
Portfolio recovery with XXXX rating from the XXXX XXXX XXXX insisted that i owe the debt, even though i gave up to their scam and paid them the money they'll still be on my report for 7 years, I believe that's highly illegal to play with some random people life 's like that. 
I've got in touch with multiple media outlets and gon na share my story if CFPB did nothing to my case.
Product: Debt collection

two things. 

1. I have made approximately 800.00 in payments towards a medical bill yet the balance has only gone down by XXXX. ( the bills barely a year old and has only been being handled by this firm for 8 months, the interest on XXXX USD does not come anywhere close to explaining this ). 

2. ) I've made payment arrangements with the hospital for XXXX per month, yet on two occasions now, when I log in ant attempt to make payment, they refuse payment and demand 2 - 3 times as much as a " minimum payment required ''. They refuse to accept the previously agreed upon amount.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX/XXXX/XXXX XXXX, XXXX, XXXX XXXX,. 
XXXX XXXX XXXX, XXXX, XXXX XXXX - XXXX Consumer Financial Protection Bureau Case number # XXXX - Decision Not Fair enough AE Credit Card # XXXX I am not agreed your decision .it 's not fair enough .Please double checked my call records and your corporate office one of manager they agreed to grant Visa card. 
And also Universal data form AUD # XXXX bank submitted only removed account only. all the major credit report that account already removed and XXXX Hard inquiry on XXXX/XXXX/XXXX still remains. Please removed that hard inquiry as soon as possible Due to I have so many accounts maintain your bank and please reconsider my request. 
Until I am getting fair resolution I am keep sending complain though CFPB. 

Thanks XXXX XXXX XXXX
Product: Consumer Loan

On XX/XX/2010 I signed a contract with XXXX in XXXX, FL for an auto loan. I never signed any contract with Westlake Financial. They had my account sent to collection for a charge off and also with late payments. When I tried disputing this issue I was told if I wanted my title I must pay the balance of {$190.00} and I was questioning why do I owe a company I was never in contract with. I made a few calls to XXXX XXXX and finally got my title not sure how Westlake Financial ended up with my information but not my only problem is they are reporting negatively on my credit and when I sent information over to them to produce documents to show that I was in contract with them I never got the information. The only thing they keep doing is updating the information through the credit bureau stating that the information is verified and accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a late I do not have. I paid the account off in XXXX and I should not have a XXXX late. They called me and said it was a mistake and that they would fix it however they have not done so. I should not have a late on this account it was paid off and it is their mistake.
Product: Debt collection

I have never purchased jewelry in my life. This company is trying to scam me and adversely impacting my credit. You can check my credit history and you will see I have always paid my debts. There was originally two different jewelry companies showing purchases by me, but one removed their claim after I talked to them, however one has not. XXXX XXXX will issue anyone a card in anyones name through a company called XXXX.
Product: Credit card or prepaid card

I had been an Amex customer for 40 years and then they arbitrarily decided to close my accounts, they were not past due, confiscated tens of thousand of points and handed my accounts over to a collection agency. The agency then proceeded to call my daughters, who have n't been on my accounts for years, and threatened them with a lawsuit if they did n't pay the balance. Not once did they both to call me, the primary cardholder. When I did contact Amex they told me there was nothing they could do because they no longer had access to the accounts. I later called  Amex  customer service and they were able to access my accounts. Neither Amex nor the collection agency has apologized for their behavior and in fact, the collection agency justified their actions.
Product: Credit reporting or other personal consumer reports

My mortgage account is reporting invalid on all credit bureaus the amount, status and payment history is invalid. My mortgage account is not closed and payments are misreported.