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

This is my second dispute notice and as I was going over my credit report once again I noticed an account that does not belong to me. The accounts need to be deleted from my credit report immediately. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : RISE/XXXX  # XXXX
Product: Vehicle loan or lease

Ive contacted Chrysler capital numerous of times as well as XXXX XXXX I have no recognization of said loans on my credit report and I have proof of them not belonging to me and would like for the charge backs to be lifted from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This was a small loan I took out in XXXX for {$14000.00}. That's is the only amount I ever owed. Once I graduated in XXXX, i started paying it back after a year. This loan was paid off over 10yrs ago. I keep getting calls from Navient saying I owe some {$22000.00} now. I've explained time and again they must be confusing me with someone else. One rep said I went to XXXX XXXX which was untrue. I've only attended colleges in the Missouri area. I feel my identity has been confused with someone else and i feel harassed by phone calls constantly. I should not be getting calls today from something small that began in the mid XXXX. Please help
Product: Credit card

I notified CFPB back in XX/XX/year> that Citibank refused to allow consumers to close their credit card accounts or negotiate at settlement. It initiated a deceptive and discriminatory practice of refusing XXXXXXXX XXXX  XXXX descent a hardship program, temporarily reducing or eliminating interest charges, or negotiating debt management. Citibank set up roadblocks which included but were not limited to blocking consumers from reaching a customer service representative or a department to help with this issue therefore I notified CFPB and requested an investigation. According to Citibank, I needed to contact them through a special number. On XX/XX/year>, I contacted Citibank through their preferred number and sent a letter via electronic and regular mail requesting account closure and a payment plan. Citibank has refused to acknowledge the request and continues to charge late fees and additional interest with the intent to force consumers to miss payment altogether to ruin credit scores with late payment. I am requesting the CFPB investigate enacting or enforcing laws that protect consumers from this discriminatory practice targeting XXXX XXXX XXXXXXXX descent.
Product: Credit reporting or other personal consumer reports

My information was purchased on the dark web by this company XXXX XXXX address XXXX XXXX XXXX XXXX, XXXX DELAWARE XXXX. Because of this reason these fraudulent accounts are appearing on my consumer FICO credit report which I do not recognize as reported & which are the result of Identity Theft & Fraud.The accounts are XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/year>, XXXX XXXX XXXX on XXXXXXXX XXXX XXXX, and XXXX XXXX on XX/XX/year> I have sent in Letter after letter after letter and these items are still reporting.
Product: Checking or savings account

I recieved my irs refund check in the mail. I goes to citibank to cash it, they tell me it will be ready XXXX XXXX but ended up closing my account because of the check.
Product: Vehicle loan or lease

Suncoast credit union, 2020, I XXXX XXXX XXXX. It left me XXXX and unable to return to work. I voluntarily returned the car to the credit union. I could not afford the car any longer. I would like to please ask if you can remove this from my credit report. THANK YOU, GOD BLESS!
Product: Payday loan, title loan, or personal loan

We have established two reoccurring payments with Synchrony Bank. When payments are made, they are applied to the wrong account. When trying to log onto their website, we can only see one account even though we know we have two, both in the same name. It is impossible to log into one of the accounts to make payments and we continue to get notices that payments are overdue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXXXX/XX/XXXX XXXX NA XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX, XXXX of 2021, I filed a dispute with this credit bureau about the unverified account : XXXX XXXX-Account number XXXX for {$210.00} -- XXXX XXXX-Account number XXXX for {$130.00}. In those 3 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these unverified accounts as of today. Thank you
Product: Mortgage

I purchased my home on XXXX XXXX, XXXX. The originallender was XXXX Mortgage ( Loan # XXXX ). Purchaseprice was {$220000.00}. Financial hardship happened in XXXX XXXX Loan was sold to XXXX XXXX during recession. Suddenly lost job. I fell behind in mortgage. 
payments. Did unsuccessful loan modification with XXXX Loan balance was increased significantly. I discovered on XXXX XXXX XXXX througha phone conversation that the sale date of my property isXXXX XXXX at XXXX XXXX. I have not yet received aformal letter from XXXX and XXXX ( attorneys representing the sale ) although they claim a letter was mailed on XXXX XXXX XXXX. 
I need more time to look for gainful full-time employment inorder meet the necessary financial requirements for a loanmodification to keep my home. Not enough time hasbeen allowed for me to explore all my options for gettingassistance. Private investor of the mortgage is XXXX. I waneed more information on this private investor and the shadytransfer of this mortgage between XXXX Mortgage and. 
Shell Point. I even asked to speak with XXXX XXXX ; CEOor someone in upper management. Within two weeks of my rerequest to speak upper management, the mortgage wassuddenly sold and no one ever spoke with me. I want thisloan process investigated from XXXX XXXX until XXXX XXXX XXXX. I believer customers who are in vulnerablepositions such as myself are being taken advantage byChase and other private investors while jacking up loanbalances as they resell loans. This is home is not valuedat {$250000.00}. Please research this case asap.
Product: Checking or savings account

The week of XX/XX/XXXX Florida had a major hurricane and everything was closed down. I had tried getting into my online banking account with XXXX and was locked out of it for some reason stating I was entering in the wrong password. After multiple attempts over the course of a few days I called XXXX for help. They said someone had attempted to call in from a number they did not recognize and shut my account down. After resetting it and allowing me access, I quickly realized someone had made multiple ACH payments to credit card companies for large amounts and drained my checking account while on the phone with XXXX. They transferred me to the XXXX Department, and I filed the proper claim to shut down the account and attempt to get my money back. 

The fraudsters submitted repeated attempts over the course of 14 days, which kept me from getting my money back due to the pending charges, despite the fraud lockdown on the account. I was finally refunded my money, and able to open a new checking account with XXXX. They ordered new checks for me and sent me on my way. 

I had been trying to update all my auto payment bills when I logged in last Monday, XX/XX/XXXX when I realized a new fraudulent ACH charge was pending on my account for {$6800.00}, so I quickly ran to my local branch and worked with the Vice President, XXXX XXXX, who had assisted me with the previous fraud claim. She was able to put a fraud hold on the account and the proper department was notified with a new fraud claim. Several more fraudulent charges came through that were " processed '' to XXXX for {$380.00} and {$250.00}. The original {$6800.00} was returned, but today on XX/XX/year> another XXXX wire for the same amount is showing pending. I went into XXXX to get my money back today and was told due to the pending status, they are still unable to give me my money back and close my account. 

I have not had access to my funds in over a week. My car payment was returned due to the account being put on a fraud hold, I am unable to pay my rent or any of my current bills, all of my auto payment bills are being returned while XXXX is holding all of my money hostage. 

Since the money had been returned from the first attempt, I don't understand why I can not have my money back and the account closed. I am the victim here and the bank had the proper documentation to prevent any other charges from going through. I need my money back immediately and appreciate any and all help you are able to provide.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, I was served by the XXXX XXXX XXXX, on behalf of : Harpeth Financial Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Plus reasonable Attorney/ court costs/ and process service fees, and post Judgment Interest. 
The initial Court date was scheduled for XX/XX/year>. I was present for the Court date and verbally accepted the debt and ADVISED the Court Appointed Attorney, I was prepared to Tender Payment and settle the matter of the PRINCIPALS Balance in question. Seemingly my language and dialogue surprised the Court Appointed Attorney, therefore I advised the Court Appointed Attorney that I would contact the Financial Institution directly ; and thus, a Second Court date was scheduled for XX/XX/year>. 
In my Capacity to Contract on behalf of the XXXX, I delivered via XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX a packet to both Harpeth Financial Services , LLC XXXX and The XXXX  XXXX XXXX XXXX included : An Endorsed Contract A Tender of Payment, and A Durable POA Records indicate the package was received on XX/XX/year> XXXX. After not receiving any correspondence, I assumed the debt was discharged per the Instructions given in the Tender of Payment. Nonetheless, I was present for the Second Court date on XX/XX/year> with the expectation that I met and fulfilled my Contractual Obligations, and properly satisfied and Discharged the Principals Balance. However, with no response and/or correspondence from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Court proceeded on with a Judgment being granted. I attempted to exercise my Basic Consumer Rights ( Right to be Heard and the Right to Redress ) by educating the Court Appointed Attorney, that I Tendered Payment and able and willing to provide a Tracking number for verification.The terminology and language of my conversation appeared to be beyond his comprehension. Combined with my lack of familiarity with the General Court procedure, commingled with the Court Appointed Attorneys " Run of the Mill '' disposition and behavior. To avoid any verbal exchange and maintain a level of Professionalism, I Acquiesced. Thus, leading me to sign Under Duress In Summation : Violation of Basic Consumer Rights Discrimination ( AGE ) -Treated as a MINOR when I exhibited the CAPACITY TO CONTRACT
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I request you provide me with proof of these alleged payments being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( XXXX  ). Account ( XXXX XXXX  ). Account ( XXXX XXXX XXXX XXXX ). Please provide detailed descriptions of all procedures used in your process to determine complete accuracy of information reported. 
Once you have finished your investigations, send me an update credit report to the address stated above. Thank you. Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

I trust this letter finds you well. I am writing to express my sustained dissatisfaction and frustration regarding the unresolved issue of fraudulent items persisting on my account despite multiple attempts on my part to address and rectify the situation. 

I have diligently pursued the correction of these entries through numerous attempts, as outlined below : Initiated contact with your customer service department to report and request the removal of fraudulent items from my account. 
Submitted a formal written complaint, providing detailed documentation and evidence supporting the fraudulent nature of the items in question. 

Engaged in follow-up communication with your fraud department, providing any additional information requested and cooperating fully in the investigation process. 

Escalated the matter to a supervisor or manager within your organization, seeking urgent intervention and resolution. 

Despite these concerted efforts, the fraudulent items persist, causing significant distress and financial uncertainty. This situation not only jeopardizes my trust in your company but also raises concerns about the effectiveness of your fraud prevention and resolution procedures. 

I implore you to conduct a thorough and expedited investigation into this matter and take immediate action to remove the fraudulent items from my account. Additionally, I request clear communication regarding the steps your company is taking to prevent similar incidents in the future. 

If this matter is not resolved satisfactorily within the specified timeframe from the date of this letter, I may be compelled to explore alternative avenues, including reporting the issue to relevant regulatory authorities and seeking legal counsel. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Owed : {$340.00} XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$340.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX.
Product: Debt collection

On XX/XX/year>, I submitted a complain ( number : XXXX ) stating that the Companies XXXX XXXX and Chase JP Morgan are to dispute the installment agreement along with providing a refund of my down payments as well as compensation for the laws that were violated. I submitted a cease and desist, affidavit of truth and a letter of remission with all information necessary and laws that were violated. Chase JP Morgan not only denied my request, but have unlawfully repossessed my vehicle on XX/XX/year>. I gave them more than enough time to cure before resulting to court and I do not wish to go to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft. The inquiries listed should be removed for these are fraudulent and inaccurate. Inquiries : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Product: Debt collection

Apparently someone used my SSN and name to gain a loan. This loan was provided without my authorization as I required whenever my credit credit is checked. A collection agency Convergent is trying to collect payment on this debt that is not mine. I contacted them and the company who provided the loan and also provided a police report to the collection agency. I received a second letter saying the debt is valid and and verification of the debt with a copy of an agreement. The names on that XXXX LA agreement are not mine. Agreement is attached. XXXX Louisiana is associated with XXXX XXXX  for the loan. I again called Convergent who seem to think this is still my debt. I called XXXX XXXX and spoke to a supervisor who said she was sending it to the highest level for them to contact me. They have not done so. My concern is that this will affect my credit score. Furthermore I am taken aback by the fact that my name and SSN is enough for this lender to decide to provide a loan without my required authorization and then attempt to hold me accountable. The bank should be held accountable for my inconveniences caused by their poor loan practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of XXXX XXXX, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian again has not provided detailed information on whom they contacted to verify information, how they contacted them to verify information, where they got the information to verify. Experian has ignored the opt out documents from XXXX XXXX where not public record s on me can be verified by side I'm opted out. Not have they acknowledged that they did not get any info on me from county trustee , county court clerk, or register of deeds. THE FACTS OF ACKNOWLEDGEMENT ARE TOTSLLY BEING IGNORED. I ASKING FOR CFPB TO DO DETAILED INVESTIGATION THEMSELVES AS EXPERION CONTINUES TO IGNOR THE FACTS OF DISCOVERY AND THE BURDEN OF DISCOVERY THAT REST WITH THEM
Product: Credit reporting or other personal consumer reports

I received an alert from Experian that a hard inquiry was done by XXXX XXXXXXXX XXXX on Monday XX/XX/2024. I did not do this. I also received a XXXX XXXX credit card from them in the mail on Tuesday XX/XX/2024. I called them and reported to them my concern of fraud. I told them to shut down this card and I would be contacting Experian to also start a fraud claim on my credit report. I called Experian right after. XXXX said that they are unable to tell me where/how who opened the credit card ; the only information they could tell me was that it was opened on XXXX. They said they are sending me an ID theft kit and to follow the instructions. I called Experian and reported this. Experian told me to got to ftc.gov or file a police report and report the fraud/identity theft. Once done to send it to Experian. I am very concerned because someone is pretending to be me and it affects my credit and sanity. Please help me. My cell phone is XXXX. They both said the card was closed. My credit score dropped significantly. I am upset about that.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am filing this complaint on my own without any external assistance. Enclosed are letters detailing the inaccuracies found in my credit report. The reports from XXXX, XXXX, and Equifax contain incorrect and inconsistent information with improper dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2022
Product: Credit reporting

I am in receipt of your online. '' I am upset that your credit reporting agency ( Experian ) would try such a blatant stall tactic. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. 

1 ) I have call XXXX and talked to XXXX XXXX X XXXX and she stated XXXX never validated info with Experian and similar response from XXXX XXXX. 
2 ) You never investigated XXXX delinquent date which was XXXX XXXX. Expired in XXXX XXXX 3 ) Please re-investigate of all these accounts XXXX delinquent date 4 ) It is past 7 years in XXXX XXXX If you have any questions, please contact me at the address listed below. 

Thank you.
Product: Credit card

At XXXX checked my email, received emails from capital one saying I was approved for a Platinum credit card for the amount of {$500.00} and 30 % interest. Another email from capital one saying I had a change on my credit report. I had previously had an account with Capital one, that has been closed for years now. Capital one sends emails when anything on my credit changes. I also had an email from XXXX saying there has been a hard inquiry to my credit. I called capital one and was transferred to the fraud department. Verified information with the representative and she said everything was correct except my phone number. She said she couldnt disclose what phone number was used. She let me know they will do an investigation to see if the inquiry was fraudulent.
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. 
XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, 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 an 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.