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

On XXXX XXXX Portfolio recovery Associates, added a derogatory mark on my credit report per XXXX, upon further research, this account was transferred /sold and i am no longer responsible for the account.Debtors creditors did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, Portfolio recovery associates has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  XXXX credit card is inaccurate on all my credit reports.
Product: Student loan

I am applying for the XXXX XXXX XXXX XXXX for my loan through MOHELA. If accepted, this program forgives {$5000.00} of my current loan balance. 

I applied in XXXX and was denied for the loan forgiveness. I filed a complaint shortly after because their customer service representative was unable to tell me specifically why my application had been denied. They sent a vague letter that gave very little information about how to fix my application before reapplying. The only advice I was given was to change the name of one of the school buildings. 

I sent my application back to that school, fixed the name, and reapplied. I was then denied for a second time. 

I called customer service again, was put on an extended hold, and told that they weren't sure of the exact problem, but it might be because one of the school 's superintendents did not list their title next to their name. When I asked why this issue was not brought up in the initial denial, they had no explanation. 

I am now fixing my application and applying for the third time, still without any clear guidance on what needs to be fixed for my application to be accepted.
Product: Credit reporting or other personal consumer reports

I have been contacting companies for inaccurate reporting and accounts that don't belong to me. I am unable to obtain credit due to my identity being stolen. This has been years of someone who has scammed my identity and ran up credit. I had to fight with XXXX bank cause this person also hacked into my bank account and stole all my moneys. I became homeless and car less. I am struggling when I know I should not have too. These accounts are not mine and the ones that are mines inaccurate late payments reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I filed a dispute with Experian about an account on my credit report from XXXX XXXX  XXXX XXXX XXXX ( XXXX  ). 

In XX/XX/XXXX/XX/XX/XXXX I had ATVs on a loan through a Credit Union called XXXX XX/XX/XXXXXXXX XXXX XXXX ( XXXX ). These ATVs were repossessed in XX/XX/XXXX, creating a date of delinquency of XX/XX/XXXX. This was never pursued by XXXX. Sometime between XX/XX/XXXX and XX/XX/XXXX XXXX  was bought out by XXXX and they charged off these ATVs in XX/XX/XXXX. They also falsely claimed that I made a payment of some sort in XX/XX/XXXX, which illegally re-aged this account. This account should have fallen off my credit report in XX/XX/XXXX due to the Date of delinquency being XX/XX/XXXX.

Due to this I disputed this account with all three credit bureaus. As of today Experian completed their re-investigation and this account was still on my credit report.

I attempted to dispute these with Experian again they wouldn't allow another dispute. This account should be time barred from credit reports and Experian continues to report it as being negative.
Product: Money transfer, virtual currency, or money service

In XXXX  my stimulus direct deposit in the amount of {$4200.00} was direct deposited into a Chime bank account that was not mine. 

It is Chimes policy to reject any direct deposit where the name and social security number on the direct deposit does not match the name and social security number of the account holder. That did not happen here. Chime accepted a direct deposit sent by the IRS payable to me and me only and they deposited it into an account that was not mine. 

All i have asked them to do is to return that money to the IRS so that the IRS can redirect it to me. That is what should of occured from the get go. I have the date of the direct deposit, the account number of the account it went into and the name of the account holder but Chime repeatedly ignores my requests for them to address and resolve thier mistake. 

I have offered my complete corporation in helping them obtain whatever documentation they might need from me to no avail. 

I have emailed them countless times at XXXX point a resolution in the right direction began and my complaint was forwarded to thier escalations department but fizzled out and had to begin the process over again and again and again. 

I do not understand what is so complicated it is VERY cut and dry. 
My stimulus direct deposit was misdirected into the wrong account. This misdirection is the fault of Chime not following its own policy where they should of rejected the direct deposit due to the names and social security numbers not being a match then when the IRS received it they would of issued a paper check to the recipient who was me to the address they had on file. 

However Chime chooses to recoup thier money from the account holder who received MY money is up to them, as for me they need to do what they should of from the beginning and that is to send the money back to the IRS and let the IRS handle it from there. 

Policies are in place for a reason and when those policies are not followed you end up with issues such as this one. 
I am not even asking for Chime to be responsible for the hardship thier mistake has caused my family during such a critical financial upheaval during XXXX. All ive asked is for them to verify what i am saying, verify my identity, and do what they should of done what thier policy states they should do and be done with it. 

Please do what you do and maybe itll be the push Chime apparently needs to do what they are supposed to do. 

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

XXXX XXXX reports that 5 payments are missing. No payments are missing from capital one So why iam Iosing ponts.. This is wrong and fraudulent by XXXX XXXX .my payments are current.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discovered unknown address in XXXX, GA listed ( from sometimes in XXXX XXXX to sometimes in XX/XX/XXXX ) on my credit report ( reported by Midland credit management/MCM ) when applied for a credit card at XXXX XXXX XXXX XX/XX/XXXX. Discovered items purchased with a fraudulent credit card from XXXX XXXX The items purchased are not ones in the brand I have ever used, and I don't even have kids to be buying children 's stuff. Account was applied in XX/XX/XXXX, by stealing my identity, but with that unknown address in XXXX above. My credit report shows that unpaid debt was charged off on XX/XX/XXXX, and the following month it was sold to MCM above, who also reported the debt ( fraudulent ) with that address in XXXX above. They must have gotten that address from an ID theft who stole my identity, because I wasn't the one opening the account. Filed a claim with both companies within the last month or two, but XXXX wouldn't want to be responsible to fix their report to mark it as fraudulent, and MCM denied the claim and told me to file a police report, and so I did file a police report on XX/XX/XXXX. Also filed with FTC, who is assisting me with a recovery plan.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consu
mer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Product: Credit reporting, credit repair services, or other personal consumer reports

It has become apparant that the Data Breach in XXXX has caused considerable damage to millions of Americans across the country with no sign of remorse or monetary supplementation I believe my right to privacy has been infringed upon and request that all my personal information is stripped from the credit reporting agencies immediately all accounts deleted and all inquiries deleted from all 4 reporting agencies and new social security numbers issued
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent : address fraud on their platform, leaving m, account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had one late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an Legal Alien from XXXX. I have never used the Social Security number for anything besides Identification verification. In XXXX I recently pulled my Consumer Reports and discovered Fraud! There are two XXXX XXXX  credit cards opened without my consent or knowledge! In no way did I benefit from these accounts or had knowledge of them being open. One account over {$1000.00} the other over {$3000.00}. The other Fraudulent and un authorize account is an auto loan with XXXX XXXX that was defaulted for over {$7400.00}. I have never did any business with this company! This account is fraudulent and un authorized! These items I did not open or benefit from. They will need to be deleted from my consumer report immediately! They do not reflect my credit worthiness. I have contacted the FTC and attached the report to this complaint!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX reporting charged off accounts when charge offs are considered income I do not consent to have any of my income being reported unlawfully to any third-party credit bureaus. 

Should any credit bureaus decide to not immediately remove these accounts I intend to XXXX them for damages directly for the violation of my privacy. Please see attached XXXX XXXX Form Civil Cover Sheet that I am fully prepare to process should you not honor my request.
Product: Mortgage

In XXXX I bought a new house worth {$280000.00} and I did my closing for the house in XXXX XXXX. I had to wait more than a months all because the broker that seller introduce me to and seller where not communicating. My complaint is that I am in the military and i XXXX a lot but my XXXX was to be a tax free until I found out I am owing amount of {$2800.00} for my XXXX tax return. Because of none available fund to cover this payment, the broker told me to found way for the money and he will pay me back half of the money to me after closing. So I had to borrowed from a friend in other to get the house. To make it short since I closed the house, I tried many times to get the money the broker promise me but a lied. Last time we talked in XXXX, he told me he paid the money to wrong bank account instead of mine. XXXX XXXX was last time I talked to him about the money but he keep giving me excuses, so I had to stop contacting him when I figured out it was a fraud the broker and seller had planned for me just to buy the house. I had to make this complain because twice I thought of filing bankruptcy since I bought the house and that I do not want this to happen to anyone else. People like this were involved in housing collapse in XXXX. My situation is more than this but I will really need to explain more. This man needs to be stop since his running around working from one lender to another. To let you know, I will be making complaint to the FBI and HUD. I want this man be investigate and everyone that was involved for that process. I have there names and contact information which will be helpful to share if I get reply back. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello i submitted my dispute to the bureaus on XX/XX/2022 and on XX/XX/2022 about an account called XXXX. I demanded this account be removed because and to send me verifiable proof of these accounts, any application or documents baring my signature and they have yet to provide me with this information i have been checking my mail everyday for correspondence from the bureaus about this matter but received none yet please help me resolve this matter as now i feel like the only thing i could do is just send a complaint after sending of two letters and receiving no help. This misleading information is ruining me and has caused me a lot of stress.
Product: Mortgage

Dear government agency, My loan account XXXX I have been being victim from Nationstar Mortgage for cheating as servicer. They have told me to help me to cooperative with them to avoid foreclosure. I have been cooperated with them and they lied and foreclosed my house today XXXX XXXX, 2017. They do n't even tell us that they will foreclose today. I just noticed today. I was so sad to me since they promised me to coop with them. I have been listed the house and did as they directed. They told me that they will have my house approved for short sale auction with XXXX and as long as I signed agreement with them. On the agreement they did say that if I agreed to let them auction my house at XXXX, they will suspend the sale date and help me walk through the process. However, the auction end yesterday with no bidder, they foreclosed my house today. I do n't think they do something fair to give me a chance to avoid foreclosure. I do n't even notice that the foreclosure sale is today too. I relied on what they said and promised.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Re : Non-compliance with Rule 1002. Requirement of the Original Upon reviewing my consumer report, I discovered Experian and several creditors are violating several laws. According to rule 1002, you must provide an original writing, recording or photograph which is required in order to prove its content, unless these rules or federal statute provides otherwise. I've contacted the companies requesting documentation of my alleged consent and to date, the companies listed below have failed to provide me with the requested written authorization of the alleged initiated inquiries. 

The listed institutions mentioned below are willfully violating my rights as a federally protected consumer ; rights that have been established by Congress. Considering I have not received any information from these companies, I have to assume the inquiries are unverified and therefore should be deleted according to 15 U.S. code 1681i.

Pursuant to 15 U.S. Code 1681i, treatment of inaccurate or unverifiable information, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. 

I look forward to receiving an updated copy of my credit report reflecting the deletion of ALL NON-ACCOUNT HOLDING INQUIRES. 


Thank you in advance. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXl 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 card or prepaid card

I only got this card because Costco switched from AmEx to their Citibank visa. I have 3 other Visa cards with zero issues. However, this particular card never sends me paper statements. I 've requested them on 4 separate occasions, each time after my card is declined. I call Citibank to see why my card does n't work and they tell me I have n't paid my bill. I say what bill? I 've never received one. They say you 've requested electronic billing, which is incorrect. They agree to correct the problem and I never receive a bill. When you pay electronically, they automatically send an e-bill. I 've asked repeatedly where it goes, is it emailed, sent to my third party app I used to pay? No, they say, I need to login to my account on their site, which I 've never done. How would I know when it 's due? They told me I 'm just supposed to check my account. I do n't use this card regularly. Tried to get gas and it was declined. Called them to find out I have late fees and charges for a {$43.00} ( approx ) bill and $ 100+ in late fees for a bill I never received, despite requesting it. I asked them to reverse the late fees and told them I 've repeatedly requested paper bills. They told me they would look into reversing the fees, I paid the balance of my charges only ( not fees ), and they would send me a paper bill. I never received it. Instead I get some XXXX letter saying I 've requested not to be contacted for debt collection. I do not think these practices are ethical, legal or fair. My 3 other Visa cards are paid on time every month. I never had a problem with the Costco AxEx card. This company is unethical and I want my late fees reversed. I 've asked now 4 times for a paper bill and made them aware I am not receiving any notification to pay my balance. They are clearly doing this on purpose as a means for me to incur more late fees and interest. I requested to cancel this card and am done with this particular card. It 's ruining my credit and I 'm not paying fees for their incompetence and unfair business practices. Look at your phone logs and see how many times I requested a paper statement and how many times I received one.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information 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 remove these files. 


XXXX XXXX XXXX XXXX Balance : $ - ; XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX ; XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$840.00} XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Mortgage

Due to the pandemic of Covid-19, I contacted my mortgage company on XX/XX/2020 to let them know Im experiencing a hardship due to the pandemic. Ive been trying to see if I qualified for a special forbearance so I wont fall behind further in payments. Ive emailed them several times, I put in the request online as well. I still havent heard back from Loss Mitigation. I called my mortgage company again on XX/XX/XXXX and the agent told me that the request is in the computer, but wasnt sure why I havent heard back anything yet. I reached out to loss mitigation again that same day, and couldnt get through. I left a voicemail with my information to return my call, but still nothing. Im uncertain about what to do next