23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

This is a fraudulent card opened in my name. I believe it may have been opened by a family member/ex-wife to gain credit. I never authorized this account to be in my name.
Product: Credit reporting or other personal consumer reports

There was a fraudulent Negative Account added on my Credit Report.
Product: Money transfer, virtual currency, or money service

There are 4 bank transactions taken directly out of my bank account, the descriptions and amounts are below 1.  Transaction Date : XX/XX/2019, amount : {$300.00}, Description : XXXX XXXX VISA XXXX AZ 2. Transaction Date : XX/XX/2019, amount : {$290.00}, Description : XXXX XXXX VISA XXXX AZ 3. Transaction Date : XX/XX/2019, amount : {$200.00}, Description : XXXX XXXX VISA XXXX AZ 4. Transaction Date : XX/XX/2019, amount : {$100.00}, Description : XXXX XXXX VISA XXXX AZ
Product: Student loan

My loan servicer is Navient. After my teacher loan forgiveness application was denied, I was told that I would qualify for the Public Service loan forgiveness program and that I would need to make 120 payments for 10 years and that I would need to apply after I have made these payments. I was not informed of any additional steps or actions that I needed to complete in order to qualify for this. I have been enrolled in the income based repayment plan for the last 8 years and I just found out that I should've been completing the employment certification for Public Service loan forgiveness every 12 months. Navient never informed me of this and now after I have been paying my loans back for the past 8 years, under the impression that I only had 2 more years left and that in 2 years I would be eligible to pay but this is not the case. The payments that I have had to pay do not count towards PSLF because I never filled out the certification which Navient failed to inform me of.
Product: Debt collection

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 major credit bureaus and found that this PLUSFOUR INC ( Original Creditor : XXXX XXXX XXXX ) was reporting to be negative on 3 Credit Bureaus. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit card or prepaid card

I was supposed to get my card within 7 to 10 business days, I havent received it yet. I talked to customer service ( Automated ) couldnt even talk to a real person and they said it was shipped on the XX/XX/XXXX. I logged in on my app and it says it was shipped on the XXXX. I havent heard from them that there was a delay, problem or anything like that, I still havent received my card to this day. I really needed that card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( XXXX XXXX XXXX XXXX  ) XX/XX/2023, XXXX PDT Hello XXXX XXXX Thank you for your patience while this was investigated by our Dev Team. 

As our Development Team has attempted to reimport your credit report, they encountered the same Equifax error, it appears that the issue lies within Equifax 's data or verification process. 

To resolve this matter, I recommend reaching out to Equifax directly once again. Please inform them about the ongoing issue with the credit report pull and provide them with the following error details : Error : Equifax report pull SSN verification has failed Subscriber Number : XXXX Equifax should be able to investigate further and assist in rectifying the problem with their data. Once they have addressed the issue and made the necessary updates, our Development Team will make additional attempts to import your credit report into XXXX XXXX XXXX. 

If there is any specific information or documentation Equifax requires from us during this process, please let us know, and we will be more than willing to cooperate.
Product: Credit reporting

I have been fighting with the bureaus for a year in regards to XXXX charge off account I got tired and obtained XXXX whom contacted all the bureaus and got XXXX XXXX XXXX deleted from my credit but as of XX/XX/XXXX Transunion has reinserted the account and have allowed the Bank to use a fradulant new card # and frdalunt updated activity on the account which has been charged off in XX/XX/XXXX I opened it in XX/XX/XXXX.I filed a police report for the fraud because the new account number is not mine.I still hace the old credit card with the # on it.I sent the bureaus a letter from the Bank stating the year and month in which the account charged off and the police report and a copy of the old credit card i had. ( XXXX and XXXX have deleted the account once contacted by XXXX and have not reinserted it ... Transunion is the problem they deleted it XXXX and rein serted it XXXX as of XXXX paid XXXX and they did their job.My Fair Debt Credit and Collection Act has been violated and it is against the law for this typeof action..I have been humiliated caused stress and mental anguish.I will not be submitting anymore documents to Transunion they alreay have all documents I mention in this letter
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of trying to refinance my two Mortgage Loans that are presently with XXXX XXXX XXXX ; a first mortgage and a HELOC. 

Unfortunately, the 3 Credit Reporting Agencies will only show information provided by XXXX that shows both mortgage accounts are Closed, there is {$0.00} balance and there has been No Payment since XXXX of XXXX. 

This is playing havoc with my FICO scores and credit history. It is making it extremely difficult to obtain a new Mortgage when the current Mortgage Loans are not being accurately reported. Moreover, any potential new lender doesn't even know what the current payoff amount would be. Should it be {$0.00}, since that is what XXXX is reporting? 

I have a First Mortgage with a balance of {$260000.00} that started XX/XX/XXXX, and a Home Equity Line of Credit with a balance of {$150000.00} that started XX/XX/XXXX with XXXX XXXX XXXX XXXX for a total mortgage debt of {$410000.00}. As noted herein, both accounts were open in XXXX, but not at the same time - and both should reflect a perfect payment record with the 3 Credit Reporting Bureaus. But they do not! 

I filed a Chapter XXXX Bankruptcy in XXXX of XXXX and all debt was discharged and closed in XX/XX/XXXX, including the two XXXX XXXX mortgages. XXXX XXXX  the current lien holder for both mortgages, will not report any financial information to the 3 Credit Reporting Agencies, because a Letter of Affirmation was never executed within the first 60 days after the initial XXXX meeting with the Federal Bankruptcy Court ( Federal Rule Bankruptcy Procedure 4008-A ). 

I spoke with several people at XXXX XXXX, the latter part of XX/XX/XXXX and they could not or would not help. That is their policy and at present there is nothing I can do to have them reconsider their position. The 3 Credit Reporting Agencies will only show information provided by XXXX that indicates both mortgage accounts are Closed, there is {$0.00} balance and there has been No Payment since XXXX of XXXX. 

The information reported is totally inaccurate and does not reflect that I have been making on-time payments for the last 13-14 years, since the loans were originated. I have filed disputes with all 3 Credit Reporting Agencies - that were fruitless. So now I am turning to you.

However, attached, you will find 2 documents provided to me by XXXX that contradicts what they report and does show my excellent payment history for both accounts. I also included the latest monthly Statements provided to me by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company GUARANTEED RATE has continued to harass me. Calling me over and over after I have advised them to stop. GUARANTEED RATE have continued to harass me by sending mail to my Post office box. Now GUARANTEED RATE is sending mail to my Home address that I have never provided to them. Nor have I ever had any prior correspondence with GUARANTEED RATE with my home address. This is my 5th complaint to the Consumer Financial Protection Bureau regarding harassment within one year with GUARANTEED RATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 


XXXX XXXX
Product: Mortgage

Navy Federal Credit Union claimed to have {$91000.00} on XX/XX/XXXX to transfer on behalf of the borrows per a settlement statement. Repeated request in compliance with NFCU billing rights, XXXX, and the Freedom of Information act for NFCU to validate that amount and where it came from have not been complied with beyond claims they never received those request. In addition is the settlement statement claims {$41000.00} transferred, as part of {$91000.00}, to XXXX XXXX XXXX. XXXX XXXX Loans was seized for fraud in XX/XX/XXXX for this exact same practice of initiating loans they could not validate the original amounts resulting in a over XXXX difference between what they claimed they had and what they actually had.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that the information below in my credit profile is due to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention an issue I have been facing regarding my credit reports. I have noticed that there are several inaccurate accounts listed on my Equifax, XXXX, and XXXX credit reports. 

I have tried to dispute these inaccurate accounts directly with the credit bureaus, but they have not been removed. These inaccuracies are negatively impacting my credit score and making it difficult for me to obtain credit when I need it. 

I am requesting that the Consumer Financial Protection Bureau take action to ensure that these inaccurate accounts are removed from my credit reports with Equifax, XXXX, and XXXX. I have attached copies of my credit reports to this letter to help with the investigation. 

I understand that the Fair Credit Reporting Act requires credit reporting agencies to investigate and remove inaccurate information from credit reports. However, in my case, the credit bureaus have not taken any action to correct the errors on my credit reports. 

I hope that the Consumer Financial Protection Bureau can assist me in resolving this matter and ensure that my credit reports are accurate and up-to-date. Thank you for your attention to this matter.
Product: Mortgage

Chase cancelled my automatic payment on XXXX XXXX, 2017 which resulted in a missed payment in XXXX. I discovered their error on XXXX XXXX when looking at a statement and wasted over an hour of phone calls with them to resolve the problem. They provided conflicting information about what happened, and then hung up on mu when I asked for my call to be escalated tot a manager. I was financially harmed by their error to the amount of about {$75.00} in a late charge, and also lost several hours of my time dealing with poorly trained and incompetent members of their servicing team. 

During my call with Chase, I was told that they had 2 different user ids and passwords for me to access my account online. This sounds like a security issue and a problem with their systems which should be examined very closely.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was Dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I received a text message from my bank account Chime that my number had successfully been changed to an unknown number. Right after I received the text message I called Chime customer service and stated that my number was changed and I did not authorize this change. The lady that I spoke to stated they would freeze my account and issue a need card with a new number, however, I would not have access to my funds for approximately 10 days and they ensured me that my funds were safe. The 10 days processed and they were able to give me access back to my account with a new card number. Upon accessing my bank account after the 10 days, my funds were depleted and left me with a negative amount in my checking account. I checked my activity and I saw that approximately an hour after my last authorized transaction on XXXX XXXX there were XXXX transfers from my checking to my savings of all different amounts over XXXX dollars. Also on XX/XX/XXXX there was a transaction made of {$890.00} from XXXX XXXX. I promptly called Chime to dispute these transfers/transactions made and I filed a complaint/dispute with them. They stated they would give me a credit back to my account after 10 days if my claim was approved. 10 days passed again and I received an email stating my claim was denied due to not having proof. I called them after I received the email of my denial and I asked for the merchants information to see if I could reach out to them. I tried to look up the merchants information myself however the only locations I could find were in XXXX and XXXX when I contacted them they gave me a possible number that was related to them. I tried call the number that was provided and it was a XXXX XXXX number and it was no longer in service. I called them back and chime opened up another case providing that information. They stated that this investigation could take approximately 45 days. I received an email today XX/XX/XXXX that my claim was denied once again due to no further proof was provided. I have called them once again and they stated that there was nothing they could do except file another dispute. I have not taken any further action as I feel I am being pulled back and forth and I shouldnt have to wait this long as I have did what they asked me to do and they have not given my funds back.
Product: Debt collection

Identify theft Amount : {$340.00} Collection : AFNI, inc Contact : XXXX This dispute was settled. I was a victim of identity theft. It was settled with XXXX XXXX by phone XX/XX/2018. Myself, XXXX, and XXXX XXXX was on 3 way. I don't know why is this showing on my credit report. It should not be in collections. Please help!
Product: Prepaid card

For the past XXXX and a half years almost XXXX dollars of my California unemployment insurance benefits have been stolen due to Bank XXXXf Americas 1 ) BOA 's standard UE prepaid cards that have no security features and have never had them so ppl continue to face their having no option but to receive benefits thru BOA which means I continued to be robbed by unknown internet fraudsters thru my entire time on unemployment insurance. It's absolutely disgraceful this Bank.

2 ) even tho Now that they were fined for their shady and illegal business practices nothing has changed. After 2 years of apparently having a robot deny my claim, I was told to reopen it ( and did with stupid high hopes ) only to be mocked, receiving no fund release while the 10 day investigation reached day 11 then one month ... ... as it states is their policy. Then to be yet again defeated in tears because my claim was ( AFTER ALL THAT AND AGAIN I AM THE VICTIM NOT THEM!! ITS MY MONEY I NEVER EVEN TOUCHED THAT WAS STOLEN )!!!! DEINIED!!!!!! What????? Are you joking???? This is beyond appalling, so today I try this route, I've already filed a complaint with the FTC and I'll be filing one with my local law enforcement as well as the FDIC. 

Bank of America you truly are thieves as well as an ABSOLUTE DISGRACE OF A " FINANCIAL INSTITUTION ''. DISGUSTING. So again tonight I will continue to feel robbed, violated, like I've been treated like a criminal and a second class citizen. All because I was laid off during a global pandemic after working from XXXX  years of age to XXXX without any lull. Someone please help me recover my money that these people won't. Thank you.
Product: Student loan

I had a student loan from XX/XX/XXXX.for {$2500.00}. I paid it off through the XXXX XXXX -state trustee consolidation loan program in XXXX XXXX CA . I kept getting billings from different collection companies every two years or so - I would mail them a copy of my paid in full notice from the trustee. after a while, I would get another notice from a different company and repeat the procedure. I was told that the loan kept being sold to different companies - then in XX/XX/XXXX my wages were garnished WITHOUT PRIOR NOTICE and they took more than half my wages for two years -- each paycheck WITH NO PRINCIPAL REDUCTION stating that I owed {$19000.00} which resulted in my losing my home -- despite the fact that I drove to XXXX CA and TO GET THE WRITTEN PROOF and had to purchase the documents from the government warehouse showing that I had paid in full - which I sent to them -- NOW XX/XX/XXXX -- I have n't heard anything until recently and yet another NEW collection company says I owe {$13000.00}. 
I paid the loan of {$2500.00}! - I am approaching retirement and I am frightened that I will die with this horrible injustice unresolved. There have been approximately XXXX different companies that have sent me notices to send them money. during this process, I had my social security number stolen and used by someone named XXXX XXXX who got a governed loan with it. 
I have suffered enough - I had to file bankruptcy in XX/XX/XXXX and told the attorney I had this student loan problem - he advised me to put it on my bankruptcy list so that I could just be done with it. -One of the collection people told me that I now have to pay this XXXX XXXX student loan because I put it on my bk papers. I WOULD LIKE THIS TO STOP and I would like my money back that was taken from me erroneously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an Experian account at www.experian.com that is no longer functioning properly. It allows me to login but then says that an unexpected error has occurred, at which point no other options are available except to call Customer Support I attempted to fix the account by calling Customer Support on XX/XX/2021. After being bounced around to multiple departments, I reached a service representative ( XXXX ) who said that it was impossible to reset the account, despite having a valid username and password, and that nobody at the company would be able to do so. He refused to allow me to speak to a supervisor and eventually hung up.
Product: Debt collection

Insurance company has my name for an account that isnt my account. 

Company is Harrasing me and has this incorrect information on My credit reports : XXXX XXXX XXXX XXXX  Incorrect information is impacting my credit score.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized hard inquiries have appeared on my credit report. Please take action to remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written letters as well as called each of the bureaus describing the issues I was facing regarding the multiple inquiries. I have letter certified mail receipts of when I attempted to contact XXXX, XXXX, and Equifax. I have also called the companies in which the inquiries were made and they were unwilling to help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Subject : Request for Immediate Action on Identity Theft Related Credit Report Disputes Pursuant to FCRA 605B Dear Sir/Madam, I am writing to bring to your attention a critical matter regarding identity theft and the inaccurate information on my credit report maintained by XXXX, TransUnion, and XXXX. 
Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ), I have formally requested that all negative information resulting from the identity theft be blocked or deleted from my credit report. 

I have submitted detailed information to all three major credit bureaus outlining the accounts that are inaccurately reporting due to identity theft. I have also provided the necessary documentation, including the police report complaint documentation number, as evidence of the identity theft incident. 

It is imperative that the credit bureaus conduct a thorough investigation and take swift action to rectify this situation.

As per the law outlined in FCRA 605B, I am requesting that XXXX, TransUnion, and XXXX block or delete the fraudulent accounts from my credit report within 4 days. 

The burden of proof lies with the credit bureaus to verify and correct this information, as I am diligently working to restore my life and financial well-being following this egregious theft of my identity. 

I urge the Consumer Financial Protection Bureau to intervene and ensure that XXXX, TransUnion, and XXXX comply with the legal requirements set forth under FCRA 605B.

It is crucial that my credit report accurately reflects my financial history and that the negative impact of this identity theft is promptly addressed. I appreciate your attention to this matter and look forward to a swift resolution.

Please do not hesitate to contact me if any further information is required.

Thank you for your assistance in this urgent matter. 

Sincerely, XXXX XXXX XXXX