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

On XX/XX/XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the 2015 XXXX  data breach as well as XXXX XXXX  2017 data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

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: Debt collection

I have know knowledge about this account. When I asked XXXX XXXX about proof showing this account belongs to me, it was never given. He was very rude and unprofessional. I am a victim of identity theft. I never had or use this service or know anything about it. This is negatively affecting my credit score I want this fraudulent account removed from my credit file immediately.
Product: Credit reporting or other personal consumer reports

I am the victim of identity theft and I have disputed the XXXX XXXX account on my credit report numerous times and it has yet to be removed. I filed a report on identitytheft.gov also and provided proof of me filing the report. All of the credit bureaus are refusing to remove the account from my credit reports. There was another account that was opened fraudulently around the same time, when filing my complaints I did them together at first and they did remove the XXXX XXXX that was a result of identity theft. I just am not underwing why they will not remove the XXXX XXXX XXXX I have done everything that I needed to do to prove that that is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. There are items in my credit report that is erroneous and I feared that it may reflect a negative impact on my scores if they remain. I need these items to be removed or blocked : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX Please find the ATTACHED documents to assist in blocking the erroneous items which are being posted to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

I despise this! I've already spent months sending disputes and filing complaints with no results. This is really bothering me and causing me stress.
Product: Credit card

On XX/XX/2023, XXXX fraudulent charges were made to my Chase credit card to XXXX XXXX without my authorization or knowledge. The six charges were in the amounts of {$200.00}, {$200.00}, {$200.00}, {$210.00}, {$200.00}, and {$210.00}. 

On XX/XX/2023, an additional fraudulent charge was made to my credit card to XXXX XXXXXXXX XXXX XXXX. This charge was caught by the credit card and I received a fraud alert. I marked it unauthorized. I have included a PDF of this email. Upon seeing that my card number was being used in an unauthorized fashion from this fraud alert, I saw the other six fraudulent charges and immediately reported my card stolen, locked the account, and disputed the charges. 

Additional information was requested by Chase on each of the charges, which I provided. I have included a PDF of this form. I also called the Chase fraud department on XX/XX/2023 ; however, they were unable to discuss the matter over the phone at that time. I requested that they call me back, which they agreed to do. I never received a phone call. 

On XX/XX/2023, the review of the unauthorized charges removed XXXX out of the XXXX transactions from my account ; however, XXXX transaction ( for the amount of {$210.00} ) was determined by Chase to be my responsibility : Chase claims that I notified [ them ] that the transaction is valid. I did nothing of the sort. I have included a PDF of the review report. I attempted to contact Chase about this investigation and why/how this determination was made on this particular transaction when the other nearly identical transactions were determined not to be my responsibility, but I have yet to receive a response.
Product: Debt collection

I am disputing the validity of this alleged debt. I am requesting you verify who the original creditor is of this consumer credit transaction. Verify this alleged debt, provide me the consumer with the name and address of the original creditor. Chase auto finance shall cease collection of the debt, or any disputed portion therefore, until the debt collector obtains verification of a debt or a copy of a judgment, or the name and address of the original creditor in a copy of such verification or judgment, or name and address of the original creditor is mailed to the consumer by the debt collector.
Product: Checking or savings account

I received a debit card from Citi Bank that I did not order nor do I have any accounts with citi bank
Product: Mortgage

This company is advertising dscr loans for XXXX XXXX down. They do not disclose requirements before running credit report. They also dont give a loan estimate. They make you pay for appraisal and inspection then tell you the property does not qualify for the loan the DAY of closing. The loan officer should have been able to run the numbers for the debt service before application was submitted for the loan. They assured us that it did qualify. The loan officers do not know what they are doing and are deceiving customers. This is an unprofessional company and lender.
Product: Debt collection

I keep getting calls, they have called my ex husband and my work. They threaten a lawsuit jail time and to have my drivers license revoked.
Product: Credit reporting or other personal consumer reports

To my surprise, tonight I discovered accounts on my credit report that are completely inaccurate, with no idea why theyre there. I check my report often, and this is the first time Ive encountered such unexpected errors. I even tried refreshing my browser in case it was a temporary error, but these inaccuracies did not disappear. This situation is extremely concerning to me. I am requesting a detailed review of the documents Ive provided so I dont have to keep facing this kind of unexpected and frustrating issue.
Product: Vehicle loan or lease

Purchased and financed a XXXX Harley Davidson Ultra Classic Glide, Purchased around XXXX 2012 from XXXX XXXX XXXX XXXX NC. The day of the purchase I was told they we 're throwing in for free a tire and wheel warranty. After rushing me to sign everything they handed me the key and tag and said I was good to go. But they failed to give me copies of all the financial documents, I ask for them and they said they would mail me my copies. By law they suppose to give me copies on the spot before leaving but that did n't happen. I received the documents in the mail three days later, after reviewing the free tire and wheel warranty was n't free and instead they charged and added it to the financing at a cost of {$2000.00}. I called them and complained they said I need to call the finance company Harley Davidson Financial Services, So I did. The finance company said I can cancel the {$2000.00} warranty and they would give me a refund credit on the end of the loan. So the {$2000.00} would come off the end of the loan. But they never gave me credit, so I hired an Attorney and he contacted the Finance Company who  than supposedly gave me credit off the end of the loan. also had a licensed accountant review all the financial documents, he told me they took my payment but added my interest back which they did n't suppose to do. Also if they would have added the refund at the end of the loan it would have made my monthly payments, Interest ETC less per month but everything stayed the same. The last couple of years I have been paying the principal because I have already paid all the interest that was owed. I contacted the finance company to get my payoff, my payoff should be {$1800.00} but they are saying I owe {$3800.00} which they said is interest. In other words they never gave me credit nor did they take off the {$2000.00} for the tire warranty if so the payoff would be {$1800.00} or less.
Product: Credit reporting or other personal consumer reports

I see numerous fraudulent inquiries in my report that i want to be removed. Please help me remove them as they are really hurting my account. Thank you. 

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 called and spoke to Capital One and I explained that I had to close my checking account due to fraudulent activity and I called when i realized that a payment was about to come out I told the representative about the situation and she told me that I will still be charged a late fee and return fee and this is total unacceptable when I tried to let them know what was going on and the next day I paid the {$65.00} on next day so I have been charged a late fee and also a return fee and I know for certain that this is wrong and no one is willing to help at this trying time something needs to happen I feel like everyone is XXXX can agree that Capital One is a scam with all the interests and fees they are charging
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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  XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Debt collection

XXXX XXXX sent a letter stated i owe {$820.00} i have a letter from XXXX from XX/XX/2018 stated this is paid in full.
Product: Credit reporting or other personal consumer reports

I have noticed inaccuracies in my payment history that I believe do not reflect my true payment behavior. It is essential for me to maintain an accurate credit report, and I kindly request a thorough review of these discrepancies. I believe that my overall history with XXXX XXXX XXXX XXXX demonstrates my commitment to meeting my financial obligations. I wish to exercise any resource possible to remove this inaccurate information and invoking my rights as a consumer as well as XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Experian that they are showing 3 entries with " Charge off Status '' and advised them that according to IRS, that is considered income. Also, it is unlawful to report income on a credit report and Experian has ignored my notice to them.
Product: Mortgage

I received my end of the year statement showing my escrow was overpaid by XXXX because my taxes went down and a check would be sent to me. I called to verify and a rep told me i would receive a check.i called back to check on and they told me i wouldnt get it even though i was caught up on my mortgage. I did a modification where i have to pay XXXX after my loan is paid off which is what covered the modification and made me current. They cant tell me where the XXXX went to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recall applying for credit or employment with the companies listed. 

From the FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' From the 1998 FTC opinion letter XXXX at http : //www.ftc.gov/os/statutes/fcra/greenblt.htm : " Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for {$1000.00} or actual damages ( whichever is greater ) to both the consumer and to the consumer-reporting agency from which the report is procured. '' 15 USC 1681 Section 602 ( h ) - I have the right to privacy 15 USC 1681 Section 604 ( a ) ( 2 ) - A Consumer Reporting Agency may not furnish my information without the written consent/permissible permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with XXXX, the information they are reporting for XXXX XXXX XXXX. I have no financial responsibility to this company. I have asked numerous times for validation that I owe this company money and have never receive anything. XXXX is the only company saying they have verified this account, when no one else has??? How was this account verified? Can I see the copy of the contract I supposedly have with XXXX XXXX XXXX? Although XXXX has the right to report false information on anyone they choose, they also have the right to be held responsible for the false information they report.
Product: Credit reporting or other personal consumer reports

I need to dispute the late payment listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for this account. 

XXXX XXXX XXXX
Product: Student loan

In the early XXXX my student loans began being serviced by Navient. I was misled to consolidate my loans and that I would pay less in interest and that my credit score would improve by doing so. They also pointed out the federal repayment method was not the best option for repayment. I now know that over the years, the amount I now owe which mostly comes from accrued interest, which has made repayment impossible, and does not respect or take into account income driven and cost of living challenges, has put me in this position in which I am in dire need. I currently owe {$210000.00} dollars in student loans and during my college tenure I only 'originally " borrowed somewhere in amount of $ XXXX total. I need this help badly.
Product: Credit reporting or other personal consumer reports

Experian has done nothing, they list my report as unscorable, yet I provided decades of XXXX XXXXXXXX XXXX XXXX experience. 
You can not reach any human being at Experian, it is all computer rabbit holes that lead to no where. 
They are immutable and unreachable. I tried to reach their CEO and again another dead end. 
You will never get to talk to a customer service person, because they do not have any.
Product: Mortgage

The misappropriation of funds started on XX/XX/XXXX. I made a house payment that was applied to principal funds, and had to have it reversed. On XX/XX/XXXX, I made another house payment with an additional XXXX dollars to the principal to stay a couple of months ahead, another phone call to reverse the all principal application and get it towards my house payment. On XX/XX/XXXX, another phone call to reverse the principal payment and have the XXXX dollars which is the amount of my house payment ( and should have been a clue ) applied to the house payment. On XX/XX/XXXX another phone call to have the XXXX dollars ( again the amount of my house payment ) applied to the monthly payment and not the principal. On XX/XX/XXXX another phone call to reverse the additional payment of XXXX applied to the principal coded to my house payment and have the additional XXXX dollars coded to principal. At this point I am 6 months ahead, but yet they coded the XXXX dollars as a partial payment and just had it sitting there, not applied to anything. On XX/XX/XXXX, another phone call. I made a house payment with an additional XXXX dollars as I have been doing for years. They put the XXXX dollars to the escrow. I am thousands of dollars ahead in escrow. I once again called them to correctly apply the XXXX dollars extra to principal, their solution is to rescind my house payment. The money is not in my bank account, not applied to my house payment, and not towards the principal. I have spoken to managers, de-escalation agents etc. There XXXX page is full of complaints regarding the same issues.
Product: Mortgage

I bought a home in XX/XX/2020 and the loan was originally through XXXXXXXX XXXX XXXX. They sold it to planet home lending and planet home lending never sent us a notice of how to handle our mortgage payments ongoing forward or how to set up our account. 

XXXX sent us a letter to our home via the postal service however we never received any other mail or letter to inform us of this happening from the other company or XXXX. We were on vacation so we didnt even get the letter until the day of the transfer of the service. 

This is completely unacceptable, we should be given notice in a variety of forms of communication before our loan is sold to another company. The new lender should give us notice of how to set uo our new mortgage account WELL IN ADVANCE OF THE TRANSFER DATE.
Product: Debt collection

I received a letter of collection and law suit threats for the amount of {$240.00} on XX/XX/2019 from a parking ticket that was issued in XXXX 16 years later this letter comes in the mail and threatens to sue me. I have tried calling them every day and can not get through to a live person.
Product: Credit reporting, credit repair services, or other personal consumer reports

So Ive been trying to repair my credit I have XXXX helping me. Well I paid {$1.00} to XXXX for my scores and I was looking at ways to improve and there were a few cards with no annual fee it said matched for you based on my score. If I would have known that it was going to decline my application I would have never even tried. It was misleading and I feel that Im trying to fix my credit not make it worse with hard inquiries The XXXX app should not have posted cards to help repair matched based on my scores. Can you please help me
Product: Debt collection

I am currently disputing multiple errors on my credit report, and have been threatened in the past for bank accounts I do not have. I have been called from XXXX to XXXX daily for months by a man giving his name only. He will not tell me what the debt is regarding, and has refused to tell me anything until I give my full address and verify my full name. I have no idea who this man is, and he calls from various numbers. I told him that until he sent verification or disclosed anything about why he was calling, I could not verify my name. The most upsetting part is that I had a major accident XX/XX/2016, and have XXXX. Basically, I have had XXXX, and this one was so bad that I had to wait months before I could form sentences, and my XXXX is still recovering. This man called during this time, in XXXX 2016, when my memory was spotty. I do n't remember speaking to him except to tell him that I had a concussion and was not ableXXXX to speak well or remember, but when I checked my credit report ( XXXX ), an unknown account was charged off because of whatever I said when I was recovering from a XXXX. The date is the same, and it 's quite a coincidence. I 'm disputing the account, so should he be calling me? 
It took a lot of time, XXXX, but I believe this man, XXXX something, who last called from XXXX on XXXX/XXXX/2016, ( it 's now disconnected ), has been harassing me for some debt I can not trace, even on my credit report. I have student loans, but in deferment because I 'm XXXX, and no other debt collection calls. This is crazy! What can I do?
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my right. 
15usc 1681 section 602 states i have. the right to privacy.

15usc 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not Treat a payment on a credit card account under an open end consumer credit plan as late For a purpose.
Product: Credit reporting or other personal consumer reports

My home mortgage with XXXX XXXX  was under review for a loan modification and in forbearance due to a natural disaster financial hardship. During this time I was making reduced payments. XXXX XXXX  informed me that no late payments would be reported while my account was in forbearance. XXXX XXXX confirmed that they would request the late and past due payment remarks be removed from my credit report. Transunion has repeatedly reported past due and late payments to my credit report despite my many attempts to have them correct the adverse information.