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

Onemain Financial - XXXX - Balance {$2500.00} - Type : Auto Onemain Financial - XXXX - Balance {$1.00}, XXXX - Type : Secured This is not an auto loan like you have been reporting on my credit report. I have the original signed contract and it is a Secured Loan. Not only is the loan type incorrect you guys have this loan listed on my credit report twice. Once as an auto loan and once as a secured loan with 2 different loan amounts. 

Please remove the falsely reported auto loan off of my credit report immediately
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to delete some of the data on my credit report, but there are still some accounts that need to be removed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be deleted as soon as possible XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This company XXXX XXXX XXXX XXXX is in direct violation of this law. 
15 U.S. Code 1692e - False or misleading representations. The Law clearly states : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. 
I never received any communication CERTIFIED MAIL WITH MY SIGNATURE AS PROOF I RECEIVED THIS COMMUNICATION OR ANY ORAL COMMUNICATION THAT HAS BEEN RECORDED WITH MY VOICE AS CONFIRMATION. If you can not produce this communication that was sent certified mail to me or any oral recording with my voice showing I have received this communication you are in violation of this law and this debt from XXXX XXXX XXXX XXXX is reporting inaccurately.
Product: Credit reporting or other personal consumer reports

This a count was removed and now show back up under a different name this account was open due to fraud and needs to be removed again I never had an account with this Lender. Please remove the following account. 

XXXX  XXXX XXXX Original creditor : XXXX XXXX Account number XXXX Reason : Fraud account and was peroviously removed under the name XXXX. 

The account above was listed and removed from my report due to fraud under the following creditor name : XXXX Account XXXX XXXX Please remove and Prevent this from happening again please
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I received an alert that I have a debt. First of all I dont know where this came from. The address listed on this account isnt mine so how could this debt be for me? I have phone services with XXXX XXXX XXXX, I never had any mobile services with XXXX so I am unaware of this error that your company is reporting inaccurately. I have contacted the Police department and this is being investigated as to where this came from. I have filed an FTC Complaint and I am now forced to take legal actions for accusing me of owing a debt to your company. If this debt isnt removed there will be consequences and fines when we are due to be in court I will be suing for damages that you have caused and the distress on my life and credit file. Your company reported an error on my report. I will forward all records of documents to my lawyer and we will begin the process of taking this court immediately. I asked your company to verify and signatures, documents or any contracts bearing my signature along with the steps your company took to verify this debt. I called an explain that this account didnt belong to me and Im unaware of it and the rep told me I would have to pay no matter what. You cant force a bill on a consumer because the name and the social apprears on the account. I am an identity theft victim and I my files have been leaked in the XXXX  credit breach. I believe this may be the reason for this debt. If you continue to place error accounts or information on my credit without doing a thorough 100 % validation that this debt belongs to me then it must be removed by law because youve violated my rights and laws within the FCRA sections 609, 611, 612, 605 and FACTA.
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. 

Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX - XXXX Account name : XXXX - XXXX Account name : XXXX XXXX - XXXX Account name : XXXX XXXX XXXX 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 a 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.
Product: Checking or savings account

On the night of XX/XX/year> I got home from work and mistakenly overpaid my house cleaner through XXXX. I paid her {$240.00} instead of {$140.00}. She sent me a refund of {$100.00} through XXXX. Wells Fargo stopped the payment. I called Wells Fargo and told them what happened, and the customer service rep lied to me stating that there was nothing wrong and it would be deposited by Monday. I get up on Saturday and could not access my online account and I call Wells Fargo again and discussed what happened. I would tell the information would be passed on to the people reviewing the transaction and account. With in a matter of minutes I got an email tell me that my account was being closed. They have lied to me numerous time this week. Wells Fargo is mad I will not allow them to pay items in overdraft and now they are closing my account because they can not take advantage of me any long.
Product: Checking or savings account

In XXXXXXXX XXXX XXXX I asked for Wells Fargo to stop all automatic payments on my account because I was out of a job and the funds that were in there was needed. Wells Fargo stated that stopped the payments and never did. I asked multiple times and they stated it had been stopped. My account is not closed and they stated that it wasnt my fault and sent me a cashier check. They informed me I could open up another account but my information is in XXXX XXXX. Now I cant open any bank. I am very upset with Wells Fargo about this situation
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of identity theft. I already filed all the paperwork with the credit bureaus, as well as the creditors. I included my identification, my ID theft report from law enforcement and a letter describing the crime. My information was exposed in the Equifax data breach and I believe this is how they got my data. I have submitted this information several times but there are several accounts that are still reporting inaccurately on my reports. especially XXXX. They have sent me back a bunch of bogus letters stating that I didn't send my IDs ( I did ) or that I didn't write the letters myself ( I did ). They are playing around with me and they have violated my rights.
Product: Credit reporting or other personal consumer reports

I discovered some unauthorized inquiries on my credit report this morning, and I have no idea why they're there. When I checked as usual, I was shocked to see these unexpected entries. I refreshed the page, thinking it might be a glitch, but they remained. Im extremely frustrated by this issue and need the documents I sent to be reviewed carefully so that I can have peace of mind once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I called Transunion to remove inquiries that I did not authorize & to challenge Derogatory Items. I spoke with a US Rep ( XXXX ) that was handling my Request. In the midst of our Phone Call, as he was confirming the Information that needed to be removed, the call was disconnected. I waiting for him to call me back since it was Transunion fault but nothing. I called back and waited 45 minutes to get another US Rep on the phone. I explained to her ( XXXX ) what happened and how the US Rep was deleting unauthorized inquiries and could she finish what he started. She told me she could n't do it. Again, I explained that the previous Rep was in the final processing of deleting the unauthorized inquiries. However, he did not care. Needless to say say, he did n't help me with what the other US Rep was more than willing to do due to my Identity Theft Police Report. The Inaccurate Information is as follows : XXXX XXXX-Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Court Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX 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

XX/XX/2022 fraudulent charge of {$70.00} was reported to Ollo. Card was cancelled and replaced. I have not used the card since paying off the balance in full of {$760.00} on XX/XX/2022. I have called the company to attempt to get the incorrect reporting of me being 30 days late on my payment in XXXX corrected, I provided a police report, I have wrote Ollo a letter, I have filed multiple online disputes, and I have filed a previously complaint with CFPB and yet Ollo or Ally still continues to report me as being late on my payment when I owed no payment due to the charges being from a fraudulent charge. The balance to the account has been corrected but late payments are being reported on my credit due to the fraudulent charge of {$70.00} in XXXX. I am requesting that any and all late payments that have been reported by Ollo after XXXX are deleted because it is affecting my credit score.
Product: Debt collection

I requested a collection agency to validate and I only received a letter with dates which are not accurate. I need actual verification which was requested and not received. Please help assist me.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress, ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres for these violations.
Product: Credit reporting or other personal consumer reports

Dear XXXX, Equifax, and XXXX, I am writing to request an update to my employment information in your records. I am currently employed by XXXX XXXX as of XX/XX/year>, and I believe your records may still reflect my previous employment with XXXX XXXX ( XXXX ). Please update my employment status to show my current position at XXXX XXXX if this change has not been made already. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

I received XXXX letters from capital one stating that XXXX of my accounts had been closed due to " observed activity on XXXX or more of your accounts that is inconsistent with typical customer account usage '' I reviewed the accounts statements and saw that my payments being in XXXX for both accounts had been returned leaving my accounts balance over due. I also had both accounts on automatic payments. I tried calling customer service and speaking to someone to dispute the accounts being closed because I did try to make the payments and the first person I spoke to looked at my account and understood what I was explaining. But the second person I spoke to didn't attempt to understand the situation and kept telling me what my letter said and that there was nothing they could do that my accounts were closed. I opened these accounts to build my credit score to be able to buy a car. During the holidays I wasn't making as high of payments on my accounts but I was still paying on them. And when the payments got returned I inquired large late fees on my accounts.
Product: Money transfer, virtual currency, or money service

About {$300.00} was stolen from me from someone hacking my account and I tried to contact customer service but they didnt have a phone number and no one helped me and never got my money back.
Product: Credit card or prepaid card

Original complaint ID XXXX Synchrony Bank Original complaint ID XXXX XXXX XXXX Missing credit of  {$1300.00} from XXXX XXXX. Here is the trace ID for the transaction on XX/XX/2023. 

XXXX XXXX claims no involvement and recommended I go back to Synchrony with this trace ID provided by XXXX XXXX. 

Here is the trace ID for the refund. The cardholder can provide this to their bank to trace the refund.XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that Equifax block information appearing on my consumer credit report that is the result of identity theft and fraud within four ( 4 ) business days of receiving this complaint. I am submitting an FTC Identity Theft Affidavit ( FTC Complaint XXXX XXXXXXXX ) as evidence of the fraudulent activity. Specifically, I am reporting four fraudulent accounts, including two XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which have resulted in unauthorized late payments appearing on my credit report. I also request the removal of prior employer information, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I demand the immediate removal of these fraudulent accounts, collections, late payments, and charge-offs from all consumer credit reports and the cessation of any related collection activities. This request must be completed within four ( 4 ) calendar days of receipt of this affidavit to avoid further action, including legal recourse or complaints to regulatory authorities.
Product: Money transfer, virtual currency, or money service

My original case number XXXX was closed ; however I don't think this is fair because I have not been able to speak with anyone at Bank of America and was told that someone would contact me. I received an email from XXXX XXXX / XXXX XXXX at BOA stating that he would need to speak with me and he called me once while I was in class and I asked him to call me back after XXXX and he never did. I called several times in addition to sending several emails going back to XX/XX/XXXX. I even spoke to someone else that said she saw XXXX XXXX in the directory so he did in fact work there and she would send him a message and still nothing. I can 100 % confirm that I did not make this transaction and would like to see all of the proof that BOA has showing that this was done from my phone because I guarantee it was not. I am bothered that nobody has contacted me, asked for documentation or have sent me any documentation proving my case ; instead they go silent and just close the case. That's not fair to me. This is FRAUD and I need help.
Product: Mortgage

Need assistance with modification. 
After months of trying on my own to get a loan modification, I had to seek assistance from a friend. Over a year later and after contacting Office of the Comptroller of Currency I received a loan modification from Chase with a trail period of three months XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, which would result in a permanent modification, if payments were made and I continue to meet all program eligibility requirements. To date, I have complied with terms of agreement. 
However, Chase has not honored All of the agreement, particularly the part of the agreement that states they would permanently forgive XXXX of the estimated amount of {$270000.00} each year on the anniversary date of my XXXX trail period payment, which was XX/XX/XXXX, for three years. The XXXX year which was XX/XX/XXXX and XXXX year XX/XX/XXXX my principal mortgage amount was reduced by XXXX. On XX/XX/XXXX I did not receive my principal reduction. I made many attempts to contact Chase regarding the principal reduction and my calls were unanswered and when I did make contact I was told the money was taken off my loan by XXXX CSR and another CSR told me it was n't done, yet. To date no principal reduction has been made for XX/XX/XXXX, as agreed. 
I want Chase to honor my modification agreement. By reducing the principal balance on this mortgage I do n't believe I would owe as much as Chase claims I owe. I have never owed over three hundred thousand dollars on this property as claimed by Chase. I bought house in XX/XX/XXXX for {$59000.00}. And have since been victim of predatory lending. I have paid for this house more than once, I want what is right. I want to know what the fees for the modification were if Chase believes I owe a balance after the reduction of principal balance. And I would like for that last principal reduction that was due XX/XX/XXXX to be applied. 
Additionally, due to my continue hardship I have requested another modification in hopes of reducing the outrageous interest rate 9.75 % I 've been paying, I was offered a payment plan to bring my loan current, I did not accept it as I was seeking a lower interest rate. 
I was able to bring my loan current, I was two months behind. I bought my mortgage current and have since requested a modification for the XXXX time. All documents were sent via fax to Chase and received on XX/XX/XXXX. Since this date, I have not been offered assistance. I have received at least XXXX more packets of the same documents to send again, even though Chase sent letter stating they received the documents from me. This is why I had to get third party assistance with my XXXX modification in XX/XX/XXXX. I am hoping through these communications I will not be subjected to the runaround, and will receive assistance in a timely manner. 
In closing I am seeking assistance with : XX/XX/XXXX principal reduction for modification agreement letter dated XX/XX/XXXX. And modification request sent XX/XX/XXXX.
Product: Student loan

My wife and are both in repayment for our student loans. I am having problems with my loan servicer. My loan servicer is Navient. I have been trying to pay extra toward the balance of my loans, but I have had a problem getting Navient to apply these extra payments correctly. I would like these extra payments applied to the principle of the loan and not the interest, just like how my wife does with her loan servicer when she makes an extra payment. Navient claims that there is no way that this can be done. It is frustrating that I know it can, and I do in fact apply extra payments in this way with another loan servicer. I have contact Navient on several occasions to try and resolve this issue, however no resolution has been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent in error I am a consumer by law and it has come to my attention that Experian have been reporting my transactions with XXXX XXXX to the consumer report. This is illegal according to 15 U.S. Code 1681a. What happens when someone is late, their charged a late fee which is a transaction. So therefore, if transactions and experiences are not included on my consumer report then Experian why are you reporting late payments on my consumer report.
Product: Debt collection

There is an account on my Equifax Report from XXXX XXXX XXXX XXXXXXXX the Creditor Information is below. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX AMOUNT : {$62.00} However, I am not aware of this charge and have no knowledge of this account. Therefore I filed a dispute to all Credit Bureaus and all removed this account except Equifax. I do believe this account should be removed from Equifax. Hope you can help.
Product: Student loan

Going back to XX/XX/22 Aspire Servicing Center negatively reported default on my credit report stating that I was not making payments on student loans during the Presidential Freeze on student loans. They refuse to remove the default report even though there was a Presidential freeze.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent in my letters to Equifax, XXXX, and XXXX asking them to remove the unauthorized inquiries and the 2 accounts that didn't belong to me. They responded with letters saying the accounts were verified. I sent them letters XX/XX/year> and have not heard anything back. I was advised by XXXX when I called in to file a FTC report as well as a police report. I did file a police report. Attached are the letters about the inquiries and I will include the 2 accounts in this paragraph. XXXX XXXX XXXX XXXX account number XXXX was unauthorized as well as XXXX account number XXXX only XXXX are reporting that account.
Product: Money transfer, virtual currency, or money service

XX/XX/2023 XXXX amount I sent that money to my father whos in XXXX and he told me the bank hasnt got the money from my bank in the American.
Product: Checking or savings account

on XX/XX/XXXX Chase closed my account due to fraudulent activity however I was not notified. I drove to my local bank and spoke to a banker about my account but they didn't want to help with my situation or give me information, they told me to call costumer service number and that they can no longer give me any information and stopped their investigation with not resolving anything. With this happening with my new job it has created a finical hardship I have not been paid for almost 3 week and struggling to pay my bills. This is very inconvenient for me and I expect better from chase bank employees and company. It would have HAVE BEEN NICE TO BE NOTIFIED THAT I HAD FRAUDULENT ACTIVITY ON MY ACCOUNT WITH MY PERSON INFORMATION.