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

I checked my consumer report and noticed that you are reporting two accounts that are described as charge off XXXX & XXXX. This violates15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( credit bureau ) making the report. If this is a charge off, I have not received 1099 for which account. You, as the credit reporting agency are supposed to ensure maximum possible accuracy of data you furnish to report. Please remove account from consumer report.
Product: Credit reporting

I am disputing hard inquires on my credit report because this is fraud and does not belong to me. 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: Mortgage

I requested to have PMI cancelled. 

I received an email from XXXX XXXX with language attached that applied to refinancing. The language hes using does not apply to PMI cancellation as to what the original value means. 

Hes using apple language and the requirements from my investor for canceling PMI for original value is not the same.

Why is Bank of America continuing to put up road blocks to hold onto canceling PMI.
Product: Money transfer, virtual currency, or money service

I tried to complete a financial transaction via XXXX using my Chase account on XX/XX/year>. Unfortunately, I later realized that the funds were sent to the wrong phone number and, therefore, went to the wrong recipient. I contacted Chase 's dispute department immediately and they told me that they would process the refund, but after many days passed. I did not receive any follow-up communication, so I called them again and they told me that I would need to dispute the transaction with XXXX. I called XXXX and they sent me back to Chase. I later concluded that neither entity wanted to take responsibility for the transaction. 

Both JPMorgan Chase and XXXX have failed to provide any protection for their customers. Both entities are well aware of the potential problems with transactions, yet they leave their customers vulnerable. 

Chase and XXXX continue to take advantage of their customer 's vulnerability and fail to provide protection or security from an imperfect system that they recklessly thrust on unsuspecting customers and continue to make millions from
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing recent fraudulent inquires that was not authorized by me and due to this. I received several security alerts and have observed this on my credit report. Due to prior fraud, being a victim of fraud from data breaches with XXXX in XXXX and also in XXXX. My personal information/ banking information, social security, address, name and employer information was exposed all over the dark web and also with the latest data breach with XXXX XXXX. I am requesting for the following unauthorized inquiries below, to be DELETED from my credit file by Experian. Which were all done back to back to gain access and credit was not extended due to fraud. 1. XXXX XXXX ( XXXX ) XX/XX/XXXX, 2 ) XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX and XXXX XX/XX/XXXX. Also XXXX XXXX was deleted by XXXX and XXXX due to fraudulent activity proven to both credit bureaus. I am requesting also for the account mentioned above to be deleted above for the same reason. As I have no knowledge and not responsible for this account.
Product: Student loan

I have been asking for years for help with my loans as my income changed when I divorced and trying to raise XXXX kids. I was told there was not much they could do and that there was not programs to help lower my payments so of course I used up my forbearances and deferments which of course gives them ways to capitalize interest on me. My loans total has easily doubled or tripled and owe as much as a house for my Associates and Bachelors. The call centers would not release or offer any low income programs, I even tried got help from XXXX XXXX and they got me into a income based program charging me money to help me and then disappeared which caused me to be late to re-certify which caused me to loose time on the pslf due to lapse in my certification with income based programs. I called the Dept. of Ed and that is when I learned that those programs have always been available and other ones as well but none were ever offered to me in the last 10 years. I look at my total due that I owe and it is very depressing to know I owe so much money and was swindled into thinking there was not programs or help out there and I owe fees and high balances due to their scams to make money off a person trying to better themselves. I started PSLF program back in XXXX and I was told after 5 years I would be able to have some of them removed and forgiven all of them would be forgiven. I received a letter that I am not eligible till XXXX. More scams I guess I have no belief that they are trying to help people at all just to scam people, and fool people into the programs and then throw loops to make it never happen.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  XXXX -DATE OPENED XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX Balance {$1600.00} XXXX XXXX XXXX XXXX XXXX Balance {$1900.00} XXXX XXXX  XXXX XXXX XXXX Balance {$15000.00} XXXX XXXX  XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX  XXXX XXXX XXXX Balance {$5200.00}.
Product: Debt collection

Its paid in Full {$92.00} attached is the confirmation number
Product: Checking or savings account

I have reported unauthorized transactions on my card and filed a claim with Capital One. However, my claim was denied without receiving detailed information on the steps taken during their investigation into the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have one late payment in 2020 during the COVID period, XXXX XXXX XXXXXXXX reported me late during a period where the cares act covers consumers during hard times. I have attached a letter please have this late payment deleted
Product: Mortgage

In 2013 my wife and I moved to XXXX to help our son with his XXXX children who was recently divorced. Because of his job requirements to travel often during this particular time frame we decided to rent our home for a few years or at least until they were old enough or until his travel requirements would change. A few months after we moved we got behind so we submitted a request to our lender for a hardship mortgage modification because of my wife losing her job and soon became XXXX from XXXX a year before. Making mortgage payments soon became a struggle. We soon became desperate and eventually heard about a company via a radio ad called XXXX XXXX out of XXXX Utah. Needless to say it was the biggest mistake I have done in my life. They painted a rosy picture of course and it sounded so promising. They inform not to make any Mortgage payments and not to contact anyone but them and they would do everything. All we had to do was pay m a money instead of making regular mortgage payments. we 're at the brink of losing our home. Both of us are over XXXX and our credit is about to be ruined over this. can someone please shed some light on this situation for us.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX  City, State Zip XXXX Mn XXXX Email Address : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not lat

er than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY Remove all late payments and negative items on my account, and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.
Product: Credit card

I purchased XXXX from Home Depot, which cost around {$14000.00}. My credit card is eligible for 24 months of payments without interest. 
I found out that they had a huge interest in my purchase. I called them, and they said that the associate made a mistake and put only six months without interest, and they started charging me 29.9 %. I was not even notified. 
I was going to pay off the rest of the amount, which should {$3500.00}, and I found that they want me to pay {$7000.00}. 
Though it was the associate 's fault, they refused to do anything about it, and they wanted me to pay {$3500.00} in interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my XXXX  credit report and found First Invst SVC had pulled my credit without authorization on XX/XX/2018. I sent them a letter to remove the unauthorized inquiry and they have not responded so I am filing a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like all fraud alerts removed from my credit report
Product: Credit card or prepaid card

Citi bank forged my diseased wife 's name to close my Costco acct in retaliation for me using cfpb to force my city bank credit card closure. Is this a criminal case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a fraud account. I have a police report regarding this account. It has been deem fraud and deleted. Somehow another debt collector has the same report and now they are reporting. It was deleted when it was receivable performance now the same debt is being reported by XXXX XXXX. This is fraud and needs to be removed imeditally.
Product: Credit reporting or other personal consumer reports

XXXX XXXX {$490.00} is the remaining balance has been reported late on my credit and i have never had a late payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : -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
Product: Credit card or prepaid card

Apple MasterCard advertises 3 % daily cash back on select merchants such as XXXX but in reality, only gives 1 %. On XX/XX/XXXX transaction of {$99.00} received a 1 % cash back of {$0.00} rather than 3 % ( {$2.00} ). 

Apple XXXX cash back term stated on their website : " XXXX : 3 % Daily Cash is available for purchases using Apple Card with Apple Pay in XXXX U.S. stores, and bill payments and AutoPay on XXXX and in the XXXX app. Authorized XXXX dealers are not eligible for 3 % Daily Cash which can be found on XXXX XXXX account payments, and purchases made through any XXXX checkout, including those at XXXX U.S. stores, are not eligible for 3 % Daily Cash. '' But then on the actual transaction only gives 1 % back. I made a formal complaint on XX/XX/XXXX for the XXXX monthly bill payment made on XXXX using the credit card. on XX/XX/XXXX apple determined no error occurred. I called the apple card specialist and they said that you only get 3 % when using apple pay but the term stated above says in bill payments on XXXX. This is the false advertisement that influenced me to get the credit card.
Product: Checking or savings account

I met an online Bitcoin investor/miner on XXXX ( XXXX ). He said he lived in the XXXX, was widowed, and had a son. This all happened XXXX XXXX XXXX, when bitcoin was peaking at its highest. Within a week of chatting and mentoring about bitcoin, he suddenly " got COVID. '' At this point we had built a friendship/mentorship so he asked for " my help. '' He asked for my personal information which he evidently used to gain access to my online banking. He said the personal information was required to onboard me to his business. My personal information including a picture of my ID, my social security number, account information to start investing. He started moving money around to different accounts and having checks deposited into my accounts. All the checks bounced that had been deposited so I raised concerns with the scammer, and he went ghost. Thats when I realized this whole thing was a scam. I was victim of cyber fraud and Citibank is not taking appropriate action to replace my lost funds. I have approximately lost more than {$20000.00} from this online scammer. I have provided multiple proofs of documentation including a police report ( which I can provide a copy of ), sent a email to XXXX about the scammers account being fraud. I also went ahead and filed a Federal Trade Commission Identity Threat Alert on my Social security number. I have copies, screenshots, and receipts with this online scammer that I can provide proof of. I opened a claim with Citibank for all of the fraudulent charges and they denied them.
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 XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2014, XXXX CO XXXX XXXX Balance : {$0.00}
Product: Vehicle loan or lease

I have a fairly recent auto loan through Santander Consumer USA. They have presently blocked me from ACH payments in favor of fee-only options. The due date is the XXXX of each month. The first payment was due on XX/XX/XXXX. I attempted to set up ACH transfer from my bank that has a XXXX digit account number. The first attempt was on XX/XX/year> with a XXXX time payment. This was not able to be processed according to their systems. It is possible I mis-typed an account number. On XX/XX/XXXX I attempted to set up a recurring automatic payment using the same external account. According to what I saw it was set up correctly. I contacted Santander on XX/XX/XXXX when I noticed that they did not remove the funds from the external account. Santander did not provide any notice that the automatic payment set up on XX/XX/XXXX had not been successful. The customer service agent I spoke with was able to successfully process an ACH transfer using the XXXX digit account number. The same customer service agent stated they cancelled my automatic payment, deleted the information from the system and told me to try setting it up again at a later date. 

I attempted to pay my loan installment on XX/XX/XXXX. There was no option for ACH transfer. No notices were in my account about why there was not the option for that. I had not received any communication from Santander about being denied XXXX transfers. I called XXXX times on XX/XX/XXXX. The first time I was told that a system update in late XXXX had cleared people 's automatic payment information. The second time I was told that the payment had been returned as insufficient funds. I called my external bank and confirmed that there had been no insufficient funds returns on the account used to pay Santander. On the XXXX call I was able to reach XXXX in the " XXXX assistance '' ( sic ) area. She told me that the reason I was not able to make ACH payments was that the automatic payment from XX/XX/XXXX previously described as cancelled on XX/XX/XXXX had returned as " insufficient funds '' on XX/XX/XXXX. This was the reason I was barred from making XXXX payments and only had fee-only options. This " insufficient funds '' payment was the one I had been alternatively told by lower level customer service representatives that had been removed either by a system update or had been manually cancelled on XX/XX/XXXX. She did say that I could make a payment using my external bank 's bill pay service and the payment would not be considered late until XXXX days after the due date. XXXX offered the fee-only option of using a debit card linked to my external account. I mentioned I had my checkbook ready and she " attempted '' to process an ACH payment. This, naturally, did not go through. Later that evening I attempted to use a fee-only option to make a payment to Santander. This payment did not go through either. I eventually resorted to using my external bank 's bill pay to mail a payment to Santander, scheduled to arrive on XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX Funds transferred via moneygram money in minutes reference : XXXX amount sent : XXXX USD+XXXX fee : total : XXXX USD / recipient to receive XXXX CND Receiver went to pick up the funds. Funds were unavailable new reference number provided on XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX receiver called moneygram. Funds were still unavailable. Receiver provided with a complaint number : XXXX and promised on ( XX/XX/XXXX ) that funds would be available within 48 hours maximum. 

XX/XX/XXXX funds still unavailble receiver called money gram and ask to cancel the funds. Was told that sender ( me ) had to call for a cancellation or refund. 

XX/XX/XXXX I contacted moneygram and was told that a refund could not be issued that only the receiver could initiate that. 

XX/XX/XXXX receiver called moneygram and was told that only the sender could request a cancelleation XX/XX/XXXX : contacted moneygram, spoke with supervisor XXXX who informed me that only the receiver could request a cancellation. 

This is a critical time, I tried to send money to my son with the COVID 19 he has to be quarantine, lost his job on XX/XX/XXXX and has a XXXX XXXX XXXX XXXX XXXX. He needs the money now more than any other time in life. Moneygram has not resolve the problem and the money is still unavailable when the transaction was paid in full. He called Moneygram 9 times since XX/XX/XXXX and I called 3 times with excessive wait time on hold. I wish for the funds to be return to me so I can use a different method to send the funds. They are unwilling to do anything to solve the issue and quite frankly, I do not have the money to resend another XXXX cnd. I too lost my job and have absolutely no income. 

Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

Student loan from XXXX XXXX in XX/XX/XXXX still on my credit report that states in default collection. Called XXXX XXXX when I payed everything off! Represtative stayed all loans were ALL PAID OFF IN FULL. Merged with navient got collection letters calls. No bills to my address never once did I receive a bill! This account was in XX/XX/XXXX and should have been removed permanently in XX/XX/XXXX even if I was in default which I wasnt! This is unlawful and unacceptable when I have paid this off. Not to mention got a confirmation from the representatives. Now I am struggling with correcting my credit. Also going thru XXXX. And lastly the school has been CLOSED. I just want an honest person to close my account so I can more on with my life and not deal with this outrageous account balance.