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

I greatly appreciate the effortd exerted by the Credit bureaus to remove the dispute unauthorizd inquiries from my Credit Report but I see here that there are still remaining inquiries being reported without proper verification. Once again, I was a victim of identity theft and these inquiries were never made by myseld neither did I authorized anyone on my behalf. I have read that under the FCRA section 605b that the Credit Bureaus are required to remove any account and information that resulted due to identity theft. I am submitting this complaint to protect my rights. If the Credit Bureaus insist on claiming that the disputed inquiries belong to me and continue reporting without proper verification, please understand I will pursue legal action. pursuant of the FCRA section 605b, Please remove the disputed inquiries as soon as possible : XXXX. XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX. XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX. XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experians 30 day investigation period has ended without them being able to positively verify that the disputed account belongs to me. Now theyre not allowing me to log onto their website or app, I keep getting the same error message. Experians integrity is in question and l will be reporting to all consumers protection agencies including legal counsel The fact that I can not get into this account means that Experian has been tampering with this site to make it inconvenient to access the necessary information regarding my dispute that they are STILL in violation of
Product: Debt collection

Spring oaks capital LLC. Has stolen my personal information. I have no contract with Spring oaks capital LLC. and I have never given them any personal information of mines. How did they obtain my personal information? Spring oaks capital LLC is reporting illegal and unauthorize personal information on my credit report. Spring oaks capital LLC is using my stolen personal information to take me to court under false pretenses. What laws were used to get my personal information and file a lawsuit on me for an alleged debt that is already paid for? I the consumer have given Spring oaks capital LLC Notice letters of dispute, Opportunity to cure and opt-out request. Spring oaks capital LLC refuse to perform based on law. Spring oaks capital LLC. Continues to use stolen personal information in misleading and deceptive practices. Who authorized the selling. Sharing. or reporting of my personal information? I the consumer did not consent to this. Yet I continue to harass with illegal reporting and court cases that I never agreed to or authorize this use of my personal information.
Product: Checking or savings account

My card was stolen and used at an atm in XXXX without my permission after I had come back from vacation. Capitalone refunded money temporarily while the investigation was ongoing, but reversed the credits months later. They cited that the card was used at a chip enabled atm, but they had my card. Of course they could use the chip. They had the card. Especially if they also got my pin while I used an atm.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to XXXX XXXX XXXX they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX there were fraudulent charges made by the same company for the same amount 4 times in under 2 months. I was not notified. When I noticed, I contacted Chase and they said there was nothing they could do. 

Previous to this in XXXX, I needed a charge removed from an airline when they continued to say that they paid me back when my bank account did not reflect this. I called Chase nearly every week for months asking for help and they said there was nothing they could do. After several months, I asked for them to remove the charges and they said it was too late. I responded that I had been calling and asking what my options were for months and they responded by saying there was nothing they could do. I had to resort to contacting the Department of Transportation and get the Oregon AG involved for these charges to be removed. 

In XXXX, I opened up a new credit card. You received XXXX points if you spent {$3000.00} in 3 months. In XXXX, I sprint {$1000.00}, in XXXX {$1400.00}, and in XXXX {$710.00}. I did not receive the points. When I called they said I didn't spend enough. When I said that I did, they said " no and there's nothing we can do ''. I spent years calling in an attempt to receive those points and was told " it's too late, there's nothing we can do ''.
Product: Credit card or prepaid card

I contacted an A/C company ( XXXX XXXX XXXX XXXX XXXX ) for repair a few weeks ago. I spoke with them on the phone before they came and they promised they would provide a solution. The technician arrived an hour late and look a brief look at the system. He told me he was not able to fix it and walked away. I had to call another A/C company and they came over and fixed it quickly. 

The first A/C company charged me {$100.00} for the home visit. I felt this is extremely unfair because they did not provide me with any solution as promised while another A/C company fulfilled the job fast. It is very deceitful for the merchant by just collecting home visit fee without doing any real work. 

I contacted Chase for disputing this charge. The rep was not interested in my arguments at all and only said they could not help me with the claim. I felt they did not try to help me, the cardmember, work things out. They just wanted to close the case. This charge is an extremely unfair one to the cardmember and Chase chooses to not to back its customer up.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I visited XXXX XXXX XXXX to be added to my aunt 's checking account as an authorized user. I was told there was an account from BB & T that does not belong to me, instead belongs to my mother. My mother, XXXX XXXX, filed for bankruptcy Case # XXXX on XX/XX/XXXX and debt was discharged in XX/XX/XXXX. However for some reason, this is showing on my XXXX report. This is not my account and I was a minor..
Product: Student loan

I applied to the XXXX program XX/XX/XXXX. My application was not approved before the federal injunction that paused all XXXX processing happened. On XX/XX/XXXX I received a letter from MOHELA stating : As a result of this ruling, XXXX has directed MOHELA to put your account into a forbearance because either : XXXX. XXXX. You are currently a borrower on XXXX. 
60 Days have passed since we received your XXXX application, and it has not yet been processed. 
What does this mean for me? 
While you are in this forbearance no payment is required on your account and your interest rate will be set to 0 %. This means no interest will accrue while you are in the forbearance. 

My loans were not placed into a forbearance. I called MOHELA within the week and asked why my loans were not placed in this interest free forbearance. They were unable to give me an answer. On XX/XX/XXXX, I received the exact same letter. Again, my loans have not been placed into this interest free forbearance. I attempted to call MOHELA however my estimated wait time was XXXX hours upon calling. 

I have now been told twice that my loans would be placed in interest free forbearance. They have not been placed in this interest free forbearance. Not only are my loans not in this forbearance but interest has continued to accumulate when it shouldnt have been. MOHELA has not given me an answer as to why. MOHELA has been directed by a federal institution to do so, and they are not. I am now unable to contact MOHELA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block these items that were opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$33000.00} XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I graduated a private university in XXXX. I had an academic scholarship, but I also required federal and state loans to attend. My parents had a college fund for me, but my sister unexpectedly passed away 9 months before I was to leave for college. My college fund went to her funeral costs. After college I did not get a decent paying job until approximately XXXX, although I was expected to pay a huge percentage of my monthly income to NJ CLASS and I could not keep up, I also had my first son in XXXX and communicated numerous times to HESAA that I need to go into economic hardship deferment while on maternity leave. This was not passed along to whoever it needed to be, and despite days upon days on hold for hours with NJClass and a newborn, I never got a person to talk to. They immediately put my loans into default despite my requests for economic hardship deferment. My loans were removed from the website and I had no way of paying anything. My mom ( cosigner ) was also paying interest until she could no longer afford it given a job change and divorce. Shortly after ( XXXX ) they took me to superior court, I prepared all of my correspondence with them and went to court, NJ Class attorney did not show, I never received a rescheduled court notice, until I was served with a notice that they obtained a judgement on me at a court date I was not notified of, and they put a lien on my mothers house. I am a single mom to XXXX children, and I do my best to pay all my bills, I am not late or in default on anything else, even my federal loans are consolidated and, in an income-based repayment plan. These loans are ruining my credit no matter how hard I try to pay everything, they either want me to pay the entire balance plus attorneys fees or nothing. They have garnished my moms and my state tax return every year since about XXXX, yet the balance keeps increasing exponentially. I want to take care of this and get this behind me I have finally gotten a good job and want to make payments, but I want to make sure they are being tracked and my account is current and then I need options for refinance and consolidation. I also do not believe I am responsible for attorney fees since their mess up caused this issue in the first place if they put it in deferment when I qualified for it and asked repeatedly and worked with me on the payments none of this would have happened. I am a responsible person, but the loans are not live on the website I had no way of paying them without saying I was responsible for lawyer fees. I I am the first person in my family to attend college let alone graduate, we did not know the predatory nature NJ Class practices before we took on these loans. I have found numerous articles that they have done the same to others. They have been haunting my mother and I for years. I must think about my own children going to college in 10 years and I want to have my own debt behind me.
Product: Debt collection

1 ) Closed my XXXX XXXX XXXX  account in XX/XX/XXXX. 
2 ) Received calls relating to returning my XXXX equipment. Waiting on finalized bill after return of equipment. 
3 ) Called ( I don't remember the date ) to pay my finalized bill after no contact, only to be told that the account could not be found and does not exist. I verified several times with the customer service rep that they could not find my account 4 ) XX/XX/XXXX found an account in collections on my credit report. It was this XXXX account. 
5 ) XX/XX/XXXX called current creditor only to be told they had received this debt in XXXX of XXXX. I had no communication from them until I made this phone call with the number on my credit report. 
XXXX ) They claim they emailed me in XXXX of XXXX. I do not have record of this, and to this date they have not provided record of this correspondence. 
XXXX ) XX/XX/XXXX called XXXX to be told they tried to contact me regarding this bill. The only phone calls I had received from them were asking me to return the equipment ( which I did ). They said they sent letters, but I have no record of these letters. They said they do not email people once their account is closed. I looked for these records and every voicemail they left was from an unknown number, which is a tactic used by telemarketers. I will include screenshots of these voicemails. 
XXXX ) XXXX also informed me that they wrote off this debt to a third party in XX/XX/XXXX. Once again, I have not to this date received any correspondence on the status of this debt. 
XXXX ) XX/XX/XXXX called current third party creditor to ask for their history of correspondence with me. They claimed they most likely could not do so because the time frame was 3 months from the sate of correspondence. 
XXXX ) XX/XX/XXXX filed a dispute on XXXX and XXXX. 
XXXX ) XX/XX/XXXX XXXX removes this account from my credit report XXXX ) XX/XX/XXXX XXXX updates information on my report regarding this account.
Product: Credit card or prepaid card

I attempted to stop the charge from XXXX XXXX, whom I can not find on XXXX to contact on XXXX XXXX They told me to call back once the payment posted. I did. They told me they couldnt help me because I authorized the transaction- which I did not- and theres nothing I can do- contact my bank I cant find any information for pay fare for me to call about. I just want my money back. {$49.00} XXXX XXXX on my XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2022, I contacted Fay Servicing, and I was told by the Representative that they could not speak to me because they said I hired an attorney, and they need a letter from the attorney to allow them to speak with me. I did not hire an attorney. 

I am concerned because although I would like to stay in my home, I have put it up for sale and I had a buyer, and the mortgage company is not communicating with the realtor. 

I contacted Fay again on XX/XX/2022 and their representative told me that she could not speak to me because I hired an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX  ; XXXX, XXXX, XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX/XXXX/XXXX
Product: Debt collection

I received a letter from Brown & Joseph LLC about an alleged debt owed to XXXX XXXX XXXX. I called Brown & Joseph to explain that I did not owe the debtthat the purchase amount was paid in full at the time of purchase. ( I did later return the items and receive a refund. ) I called Brown & Joseph on XX/XX/year>, and the representative was unwilling to believe that there wasn't another charge or purchase I had made with the company. She told me to call XXXX XXXX. I spoke with XXXX around XXXX on XX/XX/year>, who said I needed to call my credit card company. She also would not believe that I have credit card statements showing the amount was paid in full. 

I'm not sure what else I can do to prove that I paid for the items in full at the time of purchase beyond my credit card statements, which neither will accept as proof. 

Additionally, the amounts and dates on the debt collection notice from Brown & Joseph do not match the order invoice I have. I have only ever made one purchase from XXXX XXXX XXXX.
Product: Debt collection

JH Portfolio Debt Equity is attempting collect debts that are not owed. I had contacted the original creditor numerous times with several hundred e-mails and letters to the company including the company CEO explaining the debts are not owed. XXXX XXXX refused to reply. Additionally the debt is outside the statute of limitations and therefore can no longer be collected on. JH Portfolio has issued trades lines on my credit bureau listing.
Product: Mortgage

Wire transfer sent on XX/XX/XXXX to Rushmore loan management in the amount of {$81000.00} .Rushmore says they did not get it. Even if its confirmed. They are holding over {$6000.00} of my money, between escrow and over payment. 
On XX/XX/XXXX received phone call from Rushmore saying I would pay late charges and could be put in foreclosed. Gave agent all information on wire no they did not get it. Called Rushmore today XX/XX/XXXX same run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

On 3 seperate occasions there has been fraudulent inquires on my Equifax credit report. I have a fraud alert and disputed with the company but they refuse to remove them XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Equifax did not provide any helpful feedback. I am attaching my fraud report to this complaint in the hopes of getting these unauthorized inquires removed.
Product: Checking or savings account

To Whom this may concern, Chime has put a temporary hold on my account. They claim to have noticed some suspicious activity. However, this is not true. I have upload sufficient evidence proving that I am the intended recipient of the deposits made to my chime account. I have made several attempts to resolve the issue & give as best explanation as I could to fix the issue. I have sent numerous emails, I have made several calls and the company had made no progress in identifying the issue. The company has kept asking me repeatedly for documents that I have sent over & over to no avail! Please, I need help resolving this issue. I have money that they are holding and I have bills that I have to pay or I will be homeless.