23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Product: Credit card or prepaid card

I ordered an item from XXXX that I never received I made a dispute with the credit card company and they denied my claim and they had really no evidence towards me ... I am their customer and my package was either stolen or delivered to the wrong address but they are still making me pay for it ... I even have a police report stating that
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrect information and is a result to me being homeless. I have disputed the following : * XXXX- I have never lived there my wallet was stolen. They didnt fill out my debt validation request. They have a old Driver licenses that got stolen. I have a police report. XXXX removed this debt * Procollect- I never lived in Texas XXXX All the have is documents that they claim match my signature. This is also false. XXXX and XXXX removed this debt. 

* XXXXXXXX XXXX- This company does not respond to me. This was removed on XXXX. This is a false claim * XXXX XXXX This debt was paid and settled. I provided them receipt and they still wont remove. Its been over 60 days
Product: Credit card or prepaid card

Purchased XXXX XXXX gift card for {$150.00} on XXXX  ( I have register receipt ) at XXXX in zipXXXX. to give as XXXX gift but did not gift it. I tried to use card in XX/XX/ and there was no money in card.. I have been working on this with visa, capital one, my bank and their XXXX  and XXXX advisors since then. They point at each other as problem. I paid XXXX with my capital one card ( whch I have closed and destroyed ). They in turn paid XXXX and XXXX paid XXXX I have copy of emails going back and forth. 

Since I paid capitalone.walmart for the visa card, I hold them responsible for the bogus card. So I paid off my cap1 card but withheld {$150.00}. I believe they should get money back from XXXX XXXX who after all got money they did not earn. 

Cap one in turn has damaged my credit rating which was near excellent XXXX. I dont need {$150.00} but I wont be cheated!!
Product: Checking or savings account

Dear Chase Bank Representative, I am writing to request that you immediately close the following accounts in my name, which were opened as a result of identity theft This in violation of S.512 - Identity Theft and Assumption Deterrence Act of 1998 and ( 15 U.S.C. 1681n ). This is a clear case of identity theft, and I demand that you take immediate action to rectify this situation. Failure to comply will result in 15 U.S. Code 1681o - Civil liability for negligent noncompliance. 
On [ XX/XX/XXXX ], I discovered that my personal information had been compromised, resulting in the unauthorized opening of these Business accounts. I did not authorize the opening of these accounts the bank refused to close my account stating i received a direct benefit from these accounts when i infect have not that are violating the truth and lending act and my rights as a consumer keeping this accounts open!
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under my rights as a federally protected consumer under 15 U.S.C. XXXX XXXXXXXX, I formally request the immediate removal of the following accounts from my credit report, and that they no longer be reported : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These entities, in violation of 15 U.S.C. 1681b ( c ), have continued to share my personal information without my explicit consent, infringing upon multiple federal and state laws, including : XXXX XXXX ( XXXX ), 15 U.S.C. 6802 ( b ) & ( XXXX ) : for unlawfully sharing my financial information with third parties without my permission. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : for failing to ensure the accuracy of information on my consumer report and not removing the disputed unauthorized accounts. New Jersey XXXX XXXX XXXX ( XXXX ), XXXX. XXXX et seq. : for deceptive practices in reporting inaccurate information and sharing my financial data unlawfully. Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) : for engaging in unfair and abusive practices by maintaining these unauthorized accounts on my report. I hereby opt out of the reporting of these accounts. Pursuant to 15 U.S.C. 1681i ( a ), you are required to remove any inaccurate or unverifiable information from my file. Please provide written confirmation of this removal. Failure to comply may result in legal action under 15 U.S.C. 1681n and 1681o.
Product: Credit reporting or other personal consumer reports

There is a First progress card that is card fraud on my credit account. I have notified them more than once and spoke with rep that to a representative me I was stuck the problem. There was no one to assist me with the card fraud. Or give me the statements so I can handle the card fraud myself. I have the right to the statements for an account I have never had. 

XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the fair credit report Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report leaving inaccurate or unverified account unresolved. The consumer financial protection bureau. ( CFBP ) has recently filed a lawsuit against Experian, alleging systemic issues like failing to forward consumer - provided evidence to furnish accepting unreliable responses and failing to adequately provide consumers of disputes outcomes. These failures alligen with my experience. We experience has neither Corrected or removed disputed items despite the evidence I provide causing ongoing harm to my credit standing I am requesting immediate to remove or amend the disputed account as Experians in actions, violate federal law and my right as a consumer
Product: Student loan

I dont know whats happening but I only had federal loans and they kept being sold to new servicers. I owe more than I did when I was in school, and I owe more than I thought I took out to being with ( not to mention more than it should have cost ). Im also in the forgiveness for the scam tactics of the school but despite filing in time, it wasnt apparently seen or whatever so it didnt count. And throughout COVID, Nelnet said I had to keep paying because my loans dont count somehow. And now theyre only partly deferred. So I applied for SAVE for what I have because I make like $ XXXX a year and cant afford these and they told me they cant process my application unless I pay them. So I have to pay them for help?! 

Im so frustrated and depressed. I cant live like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unauthorized inquiry on my credit file. I have no knowledge of this inquiry and I need it removed immediately. The inquiry is from XXXX and it occurred on XX/XX/2023. I did not open a account on that day.
Product: Checking or savings account

I've had a checking account with Citibank for over 20 years. On XX/XX/2022, I wrote a check from my account to a family member 's LLC. Earlier this month, my brother-in-law wrote a check from that same LLC for made out to me that I deposited at a Citibank branch that later was returned as NSF. Subsequently, I made one outgoing ACH payment with funds that had been available that were also returned. 

I was able to re-deposit the check, which cleared, but during this time, my account was frozen by their fraud department. I tried calling multiple times and would be passed around to various departments and on the 5th day of calling, was told my account was being closed down and they could not elaborate as to why. 

This is my primary bank account that is tied to my mortgage, my direct deposit paycheck, my joint account with my wife, and my 16 month old daughters account. This account is my absolute financial centerpiece and with a 16 month old, a 4 month old, and a mortgage to pay for, Citibank completely disregarded the impact that they are creating. They do not even have the courtesy to call or overnight the funds so I can figure out next steps, instead stating it will arrive in 3-5 business days ( I have my next mortgage payment due before then! ). This is criminal behavior that is likely systemic and not a one off situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Below are the name of accounts and numbers XXXX XXXX : # XXXX, XXXX : # XXXX XXXXXXXX XXXX  : # XXXX XXXX XXXX : # XXXX XXXX : # XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX theses accounts above, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I want to explain you the situation happened with me. 

I have account in credit report that is not mine. My report was brilliant until the day when bureaus, because of their poor reporting, put this account into my profile. This account is incorrect and not mine. So I ask you to take appropriate actions and apply investigation because it seems like Identity theft case. So I ask you to remove this item as soon as possible. 

Account number is below : XXXX XXXX XXXX XXXX
Product: Student loan

I was part of the XXXXXXXX XXXX XXXXXXXX class action against Depatment of Ed. I attended the University XXXX XXXX XXXX campus. I received my settlement letter in XXXX of 2023. My loans were discharged in XXXX of 2023. I was supposed to receive a refund of all of my payments per the settlement letter. I have XXXX qualifying payments at XXXX totalling {$18000.00} in refund. Mohela calls me 2 weeks ago to update address so they can send the refund.i call them back to confirm the amount and I experience 4 hour wait times that end in disconnection and the website no longer gives access.
Product: Credit reporting or other personal consumer reports

I went to XXXX XXXX to purchase a vehicle on XX/XX/year> I saw online the night before. If I liked the vehicle, my intent was to purchase. After test driving the vehicle, I discussed logistics with XXXX, my sales rep. I was adamant I did not want my credit run until clear understanding on payment, interest, etc. While my credit score at all XXXX bureaus ranged between XXXX - XXXX, I was not concerned with getting the best APR available or being financed. My financials and debt to income ratio were also of no concern. Once agreeing on the payment and term details, I completed the application. Again, I was adamant not to hit my credit bureaus multiple times. They did just that, 6x. I ended being approved, within {$2.00} of agreed payment and terms. I want these excessive inquiries removed from my credit report. It was not necesssary and now reflects negatively as excessive inquiries on my credit report. My credit score dropped XXXX points. 
My daughter is expecting and looking to purchase her first home, my intent was to help if and as needed ; however with this decrease in my credit, it has resulted in a burden and hindering ability. 
I also told the dealership I could reach out to my credit union myself for approval, to specifically avoid this. I am not happy on the excessive hit on my credit bureau in an attend on their tactics. 
I am requesting these excessive hard inquiries on my credit report be removed.
Product: Mortgage

PHH Mortgage Corporation of XXXX, NJ, continues to threaten us with foreclosure, unless we send them two more monthly payments by XXXX XXXX, XXXX ( over {$5200.00} ). They claim that we 're behind in our payments, although, from their very own Account Activity XXXX, ( which covers the entire life of this loan/ XXXX XXXX to the present ), we 're not behind at all, but in fact, are one month ahead, and not by choice. This is the fifth time that PHH comes after us for more money ; money which we do not owe! After forensically examining the above mentioned Account Activity Report, we realized that PHH Mortgage Corp., has consistently kept us one payment ahead, and for many month in a row, two months ahead, while claiming that we 're behind. They demand additional payments and as said before, threaten you with foreclosure, addidional fees and penalties, ruined credit, etc. It all started with a payment in XX/XX/XXXX which they misallocated, perhaps intentionally. They applied our XXXX XXXX payment to XXXX XXXX, which had already been paid less than a month before. From that point on, the nightmare began : Threats, added fees, harrassment calls, negative credit bureau reports, etc. They continued to perpetrate this scam by not allowing us access to their website, citing " being late '' as the reason. Of course, we had nothing but our own personal records to go on by. After XXXX, we never again received annual Account Statements showing all of our payments, fund allocations, escrow activity, balances, etc. Combined with denied access to their website and endless time on the phone trying to get information or dispute anything, basically, they kept us in the utter darkness. 
We believe that all these stratagems on the part of PHH Mortgage have been intentional and for the purpose of defrauding people of their hard earned money, and eventually forcing them into foreclosure. The web is replete with horror stories concerning this company, with many people complaining about being on time with their payments, but somehow or another, PHH claiming that they were late! Hmmm! I smell a big rat here. 
It seems clear to us now, after very carefully examining our report, that PHH 's strategy is to take your money ( future payments ), place it in a mysterious " Suspense Account '', work your money for interest, and make a hugh profit with it. For additional profits : Undeserved late fees ( {$95.00} per month, in our case ) ; purchase of additional insurances due to policies lapsing as a result of your " late payments '' ; telephone payment fees ( {$17.00} per month ) ; etc. 
This horrible company paid for our flood insurance twice in XXXX XXXX, to the tune of {$1100.00} each time. They paid our property taxes twice in XXXX ( {$2500.00} mistake ), and we 've never seen a single dollar returned to us in all these years. 
We ask : How can such a company remain in business? How can this terrible company get away with this for such a long period of time, affecting so many people, and causing so many to loose their homes? 
By the way : We never chose PHH. Our XXXX loan was " assigned '' to PHH.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TRIED CALLING THE CREDITORS BUT HAD NO LUCK WITH GETTING MY ISSUES FIXED. SOMEONE TRIED GETTING SOME CREDIT CARDS IN MY NAME WITHOUT MY PERMISSION CAUSING HARD INQUIRIES TO OCCUR ON MY CREDIT REPORT. XXXX XXXX XXXX-UNAUTHORIZED- HARD INQUIRY- X/X/17 CHASE CARD-UNAUTHORIZED- HARD INQUIRY- XXXX/XXXX/XXXX XXXX XXXX XXXX- UNAUTHORIZED- HARD INQUIRY- X/XX/17
Product: Credit card or prepaid card

I currently have a Capital One Credit Card and was just hit with a past due payment on my credit report. I called into the company to find out how I was hit with a past due on my credit and I was told that my min payment was not made. When I asked how that is possible when I have my account set on auto pay they stated that in XXXX my min increased from {$38.00} to {$58.00} and my auto pay was set at {$40.00} a month. I asked by i was never called or informed of the increase and I never got an answer just an apology. Due to the {$18.00} shortage for that month they then proceed to hit me with a past due fee of {$38.00}. Every month since they have charged me {$38.00} past due fee the same day my payment was auto deducted from my account. My min payment as of today is {$270.00} and I have a late payment on my credit which hit me for 6o points. I have advised that I am willing to pay the XXXX shortage for the last 4 months as I was not aware as well as i have already increased my auto pay to {$60.00} to ensure it is covered. I have been told that if i do not make the min of {$270.00} they will continue to hit me with past due fees and continue to report me as late. I guarantee if I was late with no payment made at all I would have received multiple phones calls harassing me to make my payment. However, I was short by {$18.00} and this bank took the route of charging me outrageous fees and boxing me into a corner to pay them or my credit will continue to be hurt as well as I am losing out on money they are falsely charging me for. This is completely outrageous and I believe this should be considered illegal practices. They have stated all they can do is waive the most recent late charge. this is unacceptable in my eyes as I have been making payments every month.
Product: Credit card

On XX/XX/XXXX I filed a dispute with chime bank for some unauthorized transactions made on my chime credit builder card they said a credit was issued but nothing in my bank account I contacted them and they said they have to issue me a check as the account was closed. Yes it was closed by them the day I filed the dispute but they could not answer how a account that was closed could be credited and I asked them to send it to my checking account so I could pay bills that I have been waiting 2 months to pay while this dispute played out now they said they will issue me a check when the account is closed and they can't do anything cause it not a active account and once it is closed it can't be reopened so they ha e my {$580.00} and won't give it back
Product: Credit reporting or other personal consumer reports

I have a credit inquiry that I did not authorized to have my credit pulled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent a letter disputing the inaccurate data for this account and no response. This for account number XXXX.
Product: Student loan

FedLoan Servicing failed to properly process my attached Employment Certification Form ( ECF ) for PSLF consideration. 

- On XX/XX/XXXX, I submitted the attached ECF to FedLoan Servicing. 
- On XX/XX/XXXX, I received the attached letter from FedLoan Servicing, stating that my ECF was missing information in Section 3 pertaining to my ( 1 ) employment start date, ( 2 ) employment end date, and ( 3 ) information in Section 3, items 9-12 pertaining to employment organization type.

- However, a plain reading of the form shows that : ( 1 ) my start date was XX/XX/XXXX, ( 2 ) my end date was XX/XX/XXXX, and ( 3 ) Section 3, Item 9 indicated " no, '' and Section 3, Item 10 indicated " yes, '' which constituted a full accounting of all information FedLoans claims was missing.