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

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct.I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I authorize you to take steps to correct my credit and send me physical proof of your actions.The following claims are unverified and require further investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kohls Credit Card serviced by Capital One. 

We have literally contacted kohls 3 times regarding a payment of XXXX   DOLLARS. 

The entire account balance was {$2.00} due We have PROOF the payment was made ON TIME and yet kohls has failed to reflect that payment on the account. We have emailed Kohls over the past 60 days attempting to get the payment posted and applied to the account They reply to the email that they can not discuss the account via email. However when we try to call Capital One the hold time is HOURS. 

Today kohls just reported the account as PAST DUE after we again contacted KOHLS asking them to update the account. Instead of helping us resolved the issue they reported the {$2.00} to the credit agencies. 

Other than this {$2.00} I have a perfect credit score of 100 % on time payments which is now marred with a 30 day late pay for a payment that was MADE ON TIME!!
Product: Credit card

I recently discovered that my identity has been compromised, leading to the fraudulent creation of seven accounts in my name. These accounts were opened without my knowledge or consent, and I have no association with them. I became aware of this identity theft after noticing unusual activity on my credit report and receiving communications regarding accounts I did not open. 

I am taking the necessary steps to address this issue, including reporting the theft to the FTC, contacting the companies involved, and taking measures to protect my personal information from further misuse.
Product: Student loan

I was formally a XXXX XXXX borrower and a few years back they offered to consolidate my loans into XXXX loan. Later they converted my loan to Navient. Last year I heard about student loans forgiveness that was offered for people who work for a non-profit public health entity. I questioned Navient about this type of loan and all they would tell me was they did not service those type loans. I tried to convert the loan with XXXX and get my status recognized. I had my employer fill out paperwork and it was rejected because I was in the wrong type loan. I feel that the proper type loan was not offered to me ever and I have been taken advantage of by XXXX XXXX.
Product: Debt collection

Wasnt not Presented a bill from original debt collector they messed up Equipment that never work and I was charged
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 Balance {$460.00} XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$460.00} XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX  Balance {$1600.00} XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX  Balance {$400.00} XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3400.00} XXXX XXXXXXXX : Bankruptcy Date Filed XXXX. XXXX XXXX  Reference Number XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$15000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a Consumer thats protected by FDCPA this request is to removed the following inquiries/accounts on my Consumer Report for I have not given my consent to furnish this on my Consumer Report per 15 USC 1681 ( B ). And I am also exercising my right to privacy under 15 USC 1681 ( A ) ( 4 ). Reporting this information on my Consumer Report is also a Violation of 15 USC 6802 ( B ) 1 ( A ), ( B ), ( C ) I was never given the opportunity from your agency to have my personal information block from being expose. Below you will find a list of inquiries/accounts I would like deleted from my Consumer Report ; Collection Accounts : XXXX XXXX Account Number : XXXX Collection Opened : XX/XX/XXXX Balance : {$1800.00} Reporting on ; TRANSUnion/XXXX XXXX XXXX  Account Number XXXX XXXX Collection Opened : XX/XX/XXXX Balance : {$730.00} Reporting on ; XXXX XXXX XXXX XXXX Account Number XXXX XXXX Collection Opened : XX/XX/XXXX Balance : {$84.00} Reporting on ; XXXXXXXX XXXX XXXX  Account Number : XXXX Collection Opened XXXX XX/XX/XXXX Balance : {$680.00} Reporting on ; XXXX INQUIRIES : Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX TransUnion Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2022, I paid {$1200.00} for some yard cleanup service with my Fidelity rewards Visa Signature credit card via XXXX XXXX, as the lawn service provider only accepted XXXX XXXX payments. 
XXXX XXXX  charged me an extra fee of {$36.00} ( $ XXXX {$1200.00} ) for using credit card. I was okay with that fee and went ahead with the payment. 
I was unaware that this is treated by Fidelity as a XXXX XXXX, for which I was charged a substantial fee of {$61.00}. I was already charged an initial fee of {$36.00} by XXXX XXXX for using the Credit Card and I did not expect for these additional fees to be charged to my account. I have always paid my bills on time and avoid paying interest and fees as a general rule. I would have used another method of payment if I was aware that these charges would be imposed. Furthermore, in addition to the XXXX XXXX fees, I am also getting charged interest because of the XXXX XXXX. The interest rate for XXXX XXXX is 24.24 %, while I have pretty much always avoided interest by paying my previous statement balance in full every month. I did not receive any type of notice before proceeding with my transaction that Fidelity would process this as a XXXX XXXX. I DID NOT go to an ATM and use my credit card to withdraw cash. I have already spoken with Fidelity and they claimed they could do nothing for me. I asked them if they could disable cash advances on my credit card, so that this doesn't happen again in future. But they told me that it is not possible for them to do that. 
I feel that this is a XXXX violation as a Deceptive practice, as well as XXXX. I was told that I will get pummeled with a huge interest rate until I pay my card completely down to {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

After signing in to   XXXX   XXXX   for an extended period of time I noticed that they was a public record for a bankruptcy. I have never filed for a bankruptcy ever! I am not sure where they credit bureaus are getting this information but it is incorrect. I sent all  XXXX  bureaus a letter requesting they provide me with documenation used to validate this bacnkrutpcy but they did not they just sent an updated copy of my credit report stating tha the account was verified and updated. At the time indicated on the public record I was not even risiding in the state Maryland so it would virtually impossible to file a bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX to update this suspicious information. I think the credit bureaus have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of XXXX XXXX XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of XXXX : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX
Product: Credit card or prepaid card

Dear Representative, I just cancelled my XXXX XXXX that was issued by Synchrony Bank. The reason is they blocked my access to their web site so I could not make online payments. They said they did this because I had a {$25.00} outstanding balance. It is my belief that a credit card company who blocks their customers ' access to the website where they can make their payments is sleazy and has no integrity. Since XXXX made this card available to me and because the XXXX logo is on the card, I am changing my shopping habits. Until now, my first option for online shopping is to go to XXXX and pay with XXXX. From now on, all of my online shopping will start with XXXX and continue with other online businesses. XXXX and XXXX are now my last resort. I will only look for items to purchase on XXXX if I can not find them somewhere else. 

Sincerely, XXXX XXXX
Product: Debt collection

Please see attached credit reports to see the collection accounts that are not mine nor was authorized by me
Product: Checking or savings account

I have been a loyal customer of Wells Fargo since XXXX and have never encountered any issues until recently. On XX/XX/XXXX, I discovered an unauthorized charge on my account for {$1000.00} and promptly reported my card as stolen to Wells Fargo. In response to this incident, I had to obtain a new card and a new phone. Despite my swift actions and clear indication that the charge was unauthorized, Wells Fargo has denied my claim, citing that the charge was made using the same phone. This decision does not take into account that I had to replace my phone, phone number, ID, and card after the incident. 

Adding to my frustration, the merchant involved in the transaction advised me to contact Wells Fargo and file a dispute, as the transaction originated from a different IP address that did not belong to me. Despite this, the bank has been unhelpful and has not resolved my issue. I want to make it clear that I did not authorize this charge under any circumstances. 

The handling of my dispute has been disappointing and has caused me significant inconvenience. If this matter is not resolved promptly and fairly, I will be left with no choice but to leave Wells Fargo and file formal complaints with my attorney. 

I hope that my complaint can be reviewed urgently and that the necessary steps will be taken to rectify this situation. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. People have use my information to open them and also make fraudulent activities.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and I noticed an account that is not reporting accurately. I have 1 late payment on an account that I did in fact pay on time. The consumer reporting agency have to report complete accurate information to the consumer report. This account listed below have not been late on payments. I've attached my consumer report that details the inaccurate information to this complaint. The report shows late ( XX/XX/2022 ). I am also attaching the car loan statement detailing an on time payment made. Please update the late payment as paid on time immediately. 

XXXX XXXX  - Account number XXXX Thank you
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX. Ive been a victim of identity fraud. I have no knowledge of these accounts and would like these items deleted they have on my credit and I would like to get that fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just discovered accounts appearing on my credit report that are not mine.
Product: Checking or savings account

I am addressing to you this email after many trials I did to resolve this issue with HSBC Bank. I communicated with them through all channels : by emails, I reached the client service by chat several times ( XXXX ), I called them also by phone.I asked recently to talk to a supervisor. The agent notified that the supervisor will call you back ( XX/XX/XXXX- the day after of my call ) at XXXX XXXX, but unfortunately this didnt happen. 

I am not able to use my money from the US HSBC Account. I tried the wired transfer, it didnt work also I tried the global transfer I am getting the same error since more 2 weeks ago ( e.g., there will be 2 working days before you can perform your transfer ) and the same error is always there till the time i am writing this complaint I reached also the financial advisors assigned to my profile and who worked to create these accounts, unfortunately no feedback and no support. 

Please note I am paying interests on late debts as well as lost many investment opportunities because I am not able to use my own money under the HSBC US accounts. 

I need to investigate this issue, and all parties that are responsible of all this late and unprofessional services must be accountatble and the bank have to recompensate me in times, efforts and money i spent to resolve my problem over all their communication channels.
Product: Credit reporting

I have tried several times to get Citibank to correct the errors in how they are reporting my mortgage. This loan was forgiven XX/XX/XXXX when the house was short sold. Yet they keep reporting several delq. as recent as XX/XX/XXXX. I am attaching the XXXX showing forgiveness of the loan XX/XX/XXXX and a copy of my credit report showing how it is reporting to my credit bureaus. They are destroying my credit and after disputing directly with them and the credit bureaus I have gotten no where. Please, please step in and make them remove this item all together from my credit report. Fixing it now is n't acceptable as they have reported it wrong for years and they should error in my favor as they have cost me thousands of dollars in extra interest fees by dropping my credit scores by XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my XXXX XXXX report and noticed hard credit checks for places I've never been. Places states away and I do not understand why they are there? I attached pictures with all that info.
Product: Student loan

I've been calling Nelnet for about 4 weeks now and have sent XXXX emails during that time. I've sat on hold for hours and hours and hours. No one picks up and the call often gets disconnected after a few hours. I've tried obtaining answers via their website but the website does not address my concerns. Of the 3 e-mails I sent thru their online email system, I received one reply The reply was that my questions are better addressed via phone call and that they recommend I call rather send an email. This is INSANITY! 

I've done a bit of research and Nelnet has more complaints ( all similar to mine ) than any other student loan servicer at this time. I've seen many complaints on many social media platforms. I can not continue to take time away from my work and life to sit on hold. So instead my time is now spent researching who is appropriate to send a complaint to. I am at my wit 's end simply attempting to speak to someone. Please help.
Product: Debt collection

I am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

chase has continuously checked my credit even after having called them and explaining that I do not want, nor have I ever, applied for credit with them. 
I have not applied for any credit in 2017, and Chase has run my report at least 3 times! None of which times were authorized or initiated by myself. 
I called the credit bureau and had place a freeze on my ss, but this has not stopped Chase from running my credit again at least twice after the fact. 
I want this ended, yet Chase continues to run my credit regardless of the freeze on my social security number.
Product: Credit reporting 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 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. I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists DEPT OF ED/XXXX XXXX Balance. {$5700.00} DEPT OF ED/XXXX XXXX balance. {$5500.00} DEPT OF ED/XXXX XXXX balance. {$5700.00}