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

I am a victim of identity theft, Someone attempted to apply for many different credit cards and loans. Which left me with 15 hard inquiries that negatively affected my credit score. I have sent letters to each credit agency as well as the 3 major credit bureaus and requested them to be removed. 
Here are the companies and dates and what they were for : 1. XXXX, Inquiry from XX/XX/XXXX, Personal Loans Cos 2. XXXX XXXX  XXXX, XXXX XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos. 
3. XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos. 
4. XXXX XXXX, Inquiry from XX/XX/XXXX, All Banks 5. XXXX XXXX, Inquiry from XX/XX/XXXX, Finance 6. XXXX/XXXX, Inquiry from XX/XX/XXXX, Bank 7. XXXX XXXX XXXX XXXX XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos. 
8. XXXX XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos. 
9. XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos. 
10. XXXX XXXX, Inquiry from XX/XX/XXXX, All Banks 11.XXXX, Inquiry from XX/XX/XXXX, Bank 12 . XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos. 
13.XXXX  XXXX, Inquiry from XX/XX/XXXX, Bank 14 . XXXX XXXX XXXX  XXXX, Inquiry from XX/XX/XXXX, All Banks 15. XXXX/XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos.
Product: Credit card or prepaid card

My complaint is with SoFi credit card. Since I have had this credit card my payment is rejected and I am imposed a XXXX returned payment fee. I will call in to complain and they use the same information that I submitted for an automatic payment and my payment goes through just fine and they wave the XXXX late charge. My regular payment is XXXX. On XX/XX/XXXX they attempted to extract XXXX from my automatic payment. The same day the payment was returned and I was assessed XXXX late charge as usual. I spoke with them to my today XX/XX/XXXX and they now claim that the payment is delinquent in the XXXX amount because despite making my regular payments being made on time. They said they would file a complaint within their company. They attempted to get me to make a payment of XXXX to bring my account current. I refused and said I would file a complaint with the appattempting tropriate government agency. At that point I was told that my account is considered and this would be to the credit bureau if not cleard up in 30 days.My email adress is XXXXXXXX XXXX XXXX XXXX This is starting to lean toward fraud in the fact that my payment is returned and am imposed a XXXX return payment fee but when I call and they put the payment through manually it is accepted even though my automatic payment is the same information they use to manually enter my payment. I am XXXX yrs old and on a fixed income. Their attempt to get me to pay XXXX today, XX/XX/XXXX, and attempting to extract XXXX XXXX XX/XX/XXXX instead of the regular XXXX payment will do damage to my budget. Their phoe # is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A cell phone collection bill for {$79.00} happen to be incorrect and I never received a notice from collection company named XXXX XXXX. This dropped my score by 179 points, which I wasnt considered for a bank position due to this low score. 
In addition. XXXX XXXX credit card was paid and settled and continues to show a high balance. Ive tried submitting disputes to all 3 agencies. TransUnion, XXXX and XXXX. No help. My scores were in the low XXXX just a month ago and now in the XXXX range due to one incorrect collection and a XXXX credit card which was settled to XXXX  balance versus {$16000.00}. I need gainful employment and my score has been dramatically and unfairly reduced with my overall good payment status over the past couple of years. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

This Credit Bureau is reporting incorrect Bankruptcy Chapter XXXX to my credit report. The information is wrong and this file should be removed from my credit report. I tried to request this credit bureau SEVERAL times as the other credit bureaus cooperated very easily. This credit Bureau stated the Bankruptcy is verified as accurate and remains. I then contacted the US Bankruptcy Court and ask them what is being verified or what are they reporting to the credit bureaus. 

I have attached a letter from the US Bankruptcy Court agreeing the credit bureau 's information is incorrect and should be removed. The court stated in this letter, it's my right to request this credit bureau to remove this incorrect info from my report. 

I expect this credit bureau to remove this Bankruptcy XXXX file in 30 days, or my lawyer will request to handle this in court. My lawyer, the XXXXXXXX XXXX  XXXX and myself are waiting for your response, as we are ready to take legal actions is this is not removed within 30 days. 

I also have other supporting documents requesting this to be removed from my credit bureau, that the court attached. However, I am not going to include them, as it has my personal info on them and i do not wish to upload them for my own privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA.

These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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: Mortgage

I refinanced my mortgage thru guaranteed Rate and made my first two mortgage payments to them ( XXXX & XXXX ), then NewRez purchased the loan and immediately stated I was behind in payments. I provided them the documentation of proof ( See attached files ), but they say their still looking into it four month later, and now are hitting me with late fees, and are threating to impact my credit and or take my house. I should not have to be intimidated, since I have completed all that is required from me. my loan # is XXXX with New Rez XXXX. 
I have called and spoke with them multiple times the last 4 months, and they keep saying they are looking into it. How long do I have to live under their threats and intimidation, and now " Late Fee 's ''.
Product: Credit reporting or other personal consumer reports

I found XXXX accounts on my credit report that do not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th 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 an alleged fraud or extortion. XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX  XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$19000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$750.00} ; XXXX XXXX XXXX Balance Owed : {$15.00} ; UTILITY SELF-REPORTED XXXX Balance Owed : {$110.00} ; XXXX SELF-REPORTED XXXX Balance Owed : {$280.00} ; UTILITY SELF-REPORTED XXXX Balance Owed : {$140.00} ; XXXX, XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX CT XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I had three transactions show up from my checking account. {$200.00}, {$190.00} and {$190.00} were processed through the cash app. I do not have a cash app account and can not get in touch with company at all unless I create one. This company let somebody use my debit card for the transactions. This caused my account to be overdrawn substantially.
Product: Debt collection

I have an outstanding medical bill I was completely unaware of. I relocated cities and never received this bill or else I would have paid it immediately. I ran my credit on XXXX XXXX yesterday and was shocked to see I had an outstanding debt. Please let me know how I can resolve this issue ASAP!
Product: Student loan

I was behind on payments and when I tried to make a paymeny arrangement, Navient refused to make an arrangement because it they said it had been too long and that the only thing I could do was pay in full to be up to date. Meanwhile, I have XXXX other loans that I have been paying. I still made minimum payments on the overdue XXXX, hoping they would work out a deal. I didnt even know that the loan had been transferred out to another agency and the payments I had been making did not apply to the loan and did n't transfer to the new agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am filing this complaint because XXXX, transunion and XXXX   has ignored my requests to provide me with the documents that their company has on file that was used to verify the accounts, i disputed. being that they have gone the 30 day mark and can not verify these account, under section 611 ( 5 ) ( a ) of the fcra- they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue immediately.
Product: Credit reporting or other personal consumer reports

Comenity Bank violated my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

I am taking action with XXXX XXXX and XXXX services XXXX. 

XXXX reference number : XXXX Comenity Bank failed to comply with 15 U.S. Code 1681s-2 ( b ) under the Fair Credit Reporting Act ( FCRA ) and therefore is liable under 15 U.S. Code 1681n for willful noncompliance and 15 U.S. Code 1681o for negligent noncompliance.
Product: Credit card

I was on vacation overseas ( XXXX ) My bad got stolen with my phone and credit cards inside. I was charged XXXX on my 3 credit cards. XXXX XXXX and XXXX XXXX  XXXX reverse the charges but Discover Card Keeps Charging me even though I disputed the charged and explained them everything, Even though I was told I am not Liable for the fraudulent charges. As soon as I got Back to California I called them and explained everything. But Still they keep me liable for these fraudulent charges. I even called the company that charged my credit card which does not have a good reputation online and is famous for scamming people but unfortunately No one seems to speak English. 
I have been with Discover card for more than 25 years. Never missed a payment. Always on time and I have a excellent credit. I can not believe that Discover Card won't believe me and keep charging me these fraudulent charges.
Product: Credit card or prepaid card

Back in XXXX of XXXX, I received an alert from the credit bureau XXXX that I got an inquiry from ComenityXXXX XXXX At the time I was at work and knew there was something wrong. I immediately disputed this inquiry with XXXX and put a credit freeze on my accounts. Then I called Comenity customer care to find out how this happen, and why is there a credit card opened in my name at a place I do not shop at. Their customer care rep said they will place my account in the investigation for the {$470.00} that was spent on this fraudulent account. It was then they told me that someone made an in-store purchase in XXXX, PA. But I lived in Florida and did not leave the state that month. Two months later, I still receive statements for this credit card I did not open. I called back to find out why, and they said the first time was only a fraudulent charge dispute, not a fraudulent account. And then proceeded to make excuses as to why that occurred. Finally said they will investigate and told me I will not be responsible for any charges that occurred while they are investigating. XX/XX/XXXX, I finally got some reply in the mail from them and their result was that my dispute was not found and lacked support. Great so what evidence did they have of me opening this said account and making said purchases in PA when I was in FL? I beg to differ on this resolution. To add insult to injury they also included a letter stating that if I am having trouble making payments, they can help. Help me pay for a fraudulent charge on a fake account? Please use common sense, would you in my shoes accept that? Comenity Capital Bank, have a human being who is close or near to a supervisor/manager role call me and discuss what evidence you require to prove I did not create this account nor did I make the purchases. Please reach the data breach letter from XXXX  that I believe is how my information got leaked but I never gave my information out to anyone.
Product: Debt collection

I contacted care credit mid XX/XX/XXXXto offer a settlement on my account they informed me it would be charged off sold XX/XX/XXXX ( somewhere around that time ). I offered them XXXX to not continue with selling it they said they would have to review the offer so I called back a few days later and they countered with XXXX. I requested them to send me a letter stating they would settle for XXXX and not be sold they told me they could not offer a letter as being paid but with the recording there is nothing to worry bout then after it was paid they would send a letter out stating settled paid in full and they would not sell. On XX/XX/XXXX I called and paid the XXXX via credit card. My credit was updated and I see that they had indeed sold my account after they specifically said they would not I contacted care credit and filed a complaint and report to be reviewed. I have not received a letter stating it was paid or anything. I feel lied and taken advantage of all at the same time. 
I am requesting for whoever it was sold to not to report it to my credit and for care credit to delete it completely off of my credit due to them not holding up to their end of the deal
Product: Credit card or prepaid card

On XX/XX/XXXX, while staying at the XXXX XXXX, I used my credit card at the pool bar. My mother got sick while at the pool that afternoon and in the panic I left my credit card behind. I left XXXX on XX/XX/XXXX. I didn't remember that I'd left my credit card behind until a few weeks later, very close to XXXX, when I saw that a total of {$5200.00} had been withdrawn from my account over XXXX transactions on a single day, XX/XX/XXXX. I don't normally use my credit card when I'm not traveling, and USAA did not flag this unusual behavior on my account. 

I filed my first fraud claim on this matter in late XX/XX/XXXX. At that time, I did not file a police report because I have never needed to do that for other fraud claims. USAA took XXXX  months to respond to this claim and the denied that it was fraud because the person who stole my credit card according to USAA accessed my account at the ATM using my PIN without failure. USAA concluded for that reason only that this crime is not fraud. 

The agents I spoke with at USAA all asked me how this thief was able to get my PIN but I couldnt answer that question because prior to this, I knew nothing about how credit card fraud happens. So I spent several months doing research and talking with experts about it. During this time, the XXXX police investigated my case. 

The rest of this letter includes the findings of the police investigation and what I found in my research. 

Im here to insist that this is indeed fraud in fact, USAA failed to protect my personal information and also failed to implement appropriate fraud detection mechanisms such that I was unwittingly vulnerable to fraud and had been for the XXXX years that Ive been a USAA member. 
Furthermore, USAA didn't bother to review video footage, although it took them 3 months to reach a conclusion on my case. By the time I learned they had denied my claim and opened an investigation with XXXX Police, several of the banks had purged their video, so there were only a few banks that could offer the police a video to help identify the thief. 

- The guy caught on camera spent over XXXX minutes at the ATM conducting a transaction. If he was successful using my PIN, he would not have needed XXXX minutes. 

- The USAA agent admitted it wasnt fraud while on the phone with me. They have they informed me at the start of the call that this was a recorded conversation. Please refer to that previously recorded conversations on this matter because I specifically said to the USAA agent that if this isnt fraud, then I must be attempting to defraud USAA. The agent replied by saying Well we dont think YOU committed fraud. Youll find that in a recorded discussion during the first week of XXXX, XXXX. 

- I've attached the findings from XXXX police in which they conclude that this was indeed fraud. I had to close the case in order to get the police report without redaction. I felt that too much time has passed at this point and they have no leads on who this person is- meanwhile I have over {$5000.00} in credit card debt + fees and interest building up. I need resolution.
Product: Debt collection

This company calls my phone numerous times a day. They have reported to XXXX that I owe an amount of {$430.00}. This amount was reported on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and is showing on my privacy guard account in my alerts. I have never done business with these people and do not have a contract or not bill/balance with this company.
Product: Checking or savings account

My account were closed active resonate all been XXXX in the account at the time of closed
Product: Debt collection

I decided to Settle out with this company of {$310.00} with to promising that theyll change or delete it off my credit. It has not been done, and some agents been catching an attitude as well. Not only that, they have a past due left on my account which should not be owed at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I mailed in a certified letter to XXXX for AR Resources INC, requesting Debt Validation, and to be legally validated in 30 days from the date of the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have asked the credit bureaus to show me how they have validated the negative accounts & the bankruptcies on my credit report. i have sent them letters asking them show proof that the negative accounts belong to me and to show me how they were validated. they have failed to produce any documentation providing any proof or how it was validated. in addition, XXXX XXXX Courts do not verify bankruptcies via 3rd parties, so how are they being validated as accurate? no proof has been furnished to support the accuracy of these accounts being reported.
Product: Credit reporting or other personal consumer reports

I noted that my payment for the month of XXXX was marked late on my credit report ( XXXX, XXXX, XXXX ). I had paid it on XX/XX/XXXX. It was due on XX/XX/XXXX or XXXX. I canceled the auto payment because it was taken care of for the month. I called Barclays upon this discovery and after going back and forth for an answer, I was told they made a mistake. No further explanation was provided outside of me now having to go through the process of disputing their mistake of reporting a late payment to the credit bureaus. No consequences to them. But I now have to fill out paperwork and submit proof of THEIR mistake.
Product: Checking or savings account

XXXX put a gps block on my account so I can see the balance in my account nor can I transfer money My deliver prescription service is off they collect I need my meds and be able to buy gas and food.
Product: Mortgage

I have sent a formal complaint to the Office of the President at Fifth Third and have attach this complaint to detail the exact events. Fifth Third did call and said they would respond by XX/XX/XXXX as requested in my complaint, but I have learned Fifth Third makes promises quite often that they don't keep.

To summarize my complaint on requesting a loan on a vacation home. I was approved for this loan on the 2nd wee k of XX/XX/XXXX. I put in an offer on the third week of XX/XX/XXXX and my loan manager at Fifth Third started the process. I submitted all documents within 24 hours of informing them of the accepted offer. After this point it was one thing after another as you can see in my complaint to Fifth Third. There lack of knowledge for handling a condo, HOA, and vacation home created one delay after another. Around the second week of XX/XX/XXXX I called my account manager and asked him to escalate the issues with management because dealing with the processor and underwriter were impossible. At this point I think I was flagged to fail because things only increasingly went downhill. Two weeks before my close they claimed the unit was considered a condotel. Once i offered supporting information from HOA and building owner that debunks the notation this building/unit operates as a condotel. Then it was some open litigation which again I was able to get the HOA legal department to demonstrate this was normal slip and fall and fall covered under the building liability insurance. This is when I was moved over to the VP in the mortgage department. She felt she could build a case for me and get this moved as a exception and approved. The morning of my close I was told legal and the bank president denied my request. I requested a simple document to present to the seller in hopes to extend my contract stating they refused me based on the " condotel '' and litigation claim, and they stated they would but never did. This decision and the length of time to make this decision has cost me financially because of prearranged travel, purchase of materials, and now needing a hotel at location in an effort to find a solution. To top this all off they promised to respond to me by XX/XX/XXXX but never did.