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

Subject : Urgent Request for Deletion of Illegally Acquired Accounts Due to Equifax Data Breach I am writing to bring to your attention a matter of utmost importance regarding my credit information. Unfortunately, my data was unlawfully sold and purchased as a consequence of the Equifax data breach. I insist on the immediate removal of these illicit items from my credit reports. 

Enclosed is evidence of Equifaxs acknowledgment of my status as a victim of the aforementioned breach. Despite this, no remedial action has been taken by Equifax to address the issue. I implore your assistance in expeditiously erasing these illegal accounts from my credit reports. 

For your convenience, I have provided a comprehensive list of the negative accounts on my Equifax credit reports, including account names and numbers. I kindly request that you file this complaint with the Consumer Financial Protection Bureau ( CFPB ) on my behalf. 

Thank you for your prompt attention to this matter. 
XXXX : Based on the information you provided, our records indicate your personal information was impacted by this incident. 
For more information, visit the FAQ page. 
FILE A CLAIM For Assisted Identity Restoration Services, please call XXXX at XXXX and provide engagement number XXXX. 

Your claim form has been submitted successfully Your claim number is : XXXX You May Print These Details And Keep A Copy For Future Reference By Clicking The Print Button
Product: Credit card or prepaid card

I am submitting a new complaint against Synchrony Bank with regard to the overbilling by XXXX XXXX XXXX and the difficulties I have experienced again with the dispute process through Synchrony Bank ; in fact, the upload feature on the Synchrony Bank portal does not allow to upload the exact dispute form provided by the same Synchrony Bank and also the fax number provided by Synchrony Bank to fax over the dispute form does not answer despite several attempts during business hours ( see attached documentation ). 

I previously submitted a complaint through CFPB against Synchrony Bank with regard to two previous disputes due to overbilling by XXXX XXXX XXXX for order # XXXX ( sale date XX/XX/XXXX ) and for order # XXXX ( sale date XX/XX/XXXX ). Having submitted a dispute via CFPB to Synchrony Bank for the overpayment of {$440.00} ( order # XXXX ) and for the overpayment of {$810.00} ( order # XXXX ), I eventually received a refund check for these overpayments. 

Although I requested a refund of all overpaid amounts in these two orders, as of today XXXX XXXX XXXX has not fulfilled my request, and only sent a refund check of the disputed amounts through Synchrony Bank. 

You can find below a breakdown listing all the overpaid amounts under both orders : For order # XXXX ( sale date XX/XX/XXXX ), I received a refund of {$810.00} as a result of my dispute with Synchrony Bank. 
The XXXX XXXX Total on Customer Order Statement was of {$4300.00}. 
My credit card received a credit of {$270.00} ( - {$270.00} ) on XX/XX/XXXX and a credit of {$190.00} ( - {$190.00} ) on XXXX. 
However, my credit card was charged {$3900.00} on XX/XX/XXXX and {$810.00} on XXXX ; the amount of {$810.00} was refunded through the dispute. I also used {$40.00} in Promotion Certificate as part of this payment. 
Here 's the entire calculation : - Paid : {$3900.00} + {$40.00} = {$4000.00} ; - Credits : {$270.00} + {$190.00} = {$460.00} ; - XXXX XXXXXXXX Total : {$4300.00} ; - Overpaid amount : ( {$4000.00} + {$460.00} ) minus {$4300.00} = {$4400.00} minus {$4300.00} = {$120.00}. 

For order # XXXX ( sale date XX/XX/XXXX ), I received a refund of {$440.00} as a result of my dispute with Synchrony Bank. 
The XXXX XXXX Total on Customer Order Statement was of {$2000.00}. 
My credit card received a credit of {$210.00} ( - {$210.00} ) on XX/XX/XXXX and a credit of {$320.00} ( - {$320.00} ) on XX/XX/XXXX. 
However, my credit card was charged {$1300.00} on XX/XX/XXXX, {$670.00} on XX/XX/XXXX and {$440.00} on XX/XX/XXXX ; the amount of {$440.00} was refunded through the dispute. I also used {$80.00} in Promotion Certificate as part of this payment. 
Here 's the entire calculation : - Paid : {$1300.00} + {$670.00} + {$80.00} = {$2100.00} ; - Credits : {$210.00} + {$320.00} = {$540.00} ; - XXXX XXXXXXXX Total : {$2000.00} ; - Overpaid amount : ( {$2100.00} + {$540.00} ) minus {$2000.00} = {$2600.00} minus {$2000.00} = {$630.00}.
Product: Consumer Loan

I disputed a loan that was appearing on my Credit History with Capital One Auto Finance. Initially, the Fraud Claim Questionnaire was sent to the wrong address despite my correct address being perfectly clear on the correspondence I sent to COAF in XXXX, 2015. After repeated attempts to reach COAF over the phone I was able to get COAF to send the Fraud Questionnaire to the correct address. I sent in ALL of the requested documentation along with the Fraud Questionnaire, which included a Police Report from XXXX County Florida, and my Drive 's License as requested by COAF 's instructions on the Fraud Questionnaire. I did NOT apply, open, or benefit from this account, nor did I authorize anyone to do so on my behalf. Whoever opened it did so illegally, fraudulently using my personal information and most certainly without my knowledge or authorization. 
Despite all of this COAF refuses to remove the Fraudulent Account from my Credit History claiming I sent a report from " XXXX COUNTY '', Fl. which is almost XXXX hours away from where I reside and got the Police Report in XXXX County., Fl . They are also indicating on my Credit History that payments were made to the account, they were not. I 've never had an account with Capital One Auto Finance, and I 've never made payments to the account I am disputing. Capital One refuses remove the account gain, claiming the Police Report from " XXXX COUNTY '' was " misrepresented '', again, the Police Report that was sent to " Capital One Auto Finance '' was from " XXXX COUNTY '', NOT " XXXX COUNTY ''. 
It upsets me the carelessness of this whole process, sending sensitive material to an address I wo n't even reside at. This despite the correct address being clearly shown on the written correspondence sent to COAF in XXXX, 2015.
Product: Credit reporting or other personal consumer reports

I have requested both debt validation letter and the required 1099c form per IRS regulations from XXXX and Bank of America whom are both reporting chargeoff/written off debt on my credit profiles. I have NO KNOWLEDGE of either accounts as they were acquired fraudulently. Please require XXXX ( $ XXXX acct # XXXX ) And Bank of America XXXX $ XXXX acct # XXXX ) to provide the information requested.My credit is very important to me and I'd like this matter taken care of immediately.Per FCRA, providing & displaying incorrect, inaccurate and unverifiable information on one 's credit reports are direct violations as well as reporting account as chargeoff/written off debt ( received tax breaks per IRS, profit loss ) yet still reporting a balance owed/past due amt. to the credit bureaus. If XXXX & Bank of America filed on their taxes ( 1099c ), I need the forms to file with my taxes as income. If they CAN NOT PROVIDE THE 1099C forms, I. demand these account s be deleted and removed from my credit reports immediately. Thank you for your time and attention.
Product: Vehicle loan or lease

I attempted to make a credit card payment on my car loan om XX/XX/XXXX using the online portal. It did not accept my payment and said that my card was blocked. 

I then called a representative and she after waiting on hold for some time. After she got on the line she disconnected the call. 

I then had to call back and wait an additional 25 minutes to talk to another representative that told me credit card payments are not accepted online after being told the previous day that I could. 

Once my payment wad finally made I was told that it would still be counted against. Be reported on my credit because the payme nt wouldn't post until the next day. 

I was attempting to make this payment before the cuttoff well before the cut off and was still within time frame when I was hung up on by a representative. When the payment did process it was approximately 10 mins after the cutoff time. 

This should not be counted against me as I would have called initially if the agent from the previous day did not tell me false information about me being able to make the credit card payment on the following day online and that was never an option for me.
Product: Debt collection

Original Creditor - XXXX XXXX  XXXX XXXX - National Credit Adjusters Account Opened - XX/XX/XXXX Balance - {$1800.00} I noticed that this account entered collections onto my credit report and sent them a validation letter requesting the following on XX/XX/XXXX. On XX/XX/XXXX, I submitted a request for validation of debt in Complaint ID XXXX. 

My request to validate the debt has not been responded to in full, as the following haven't been provided : - Provide evidence the Statute of Limitations has not expired on this account ; - Show me that your company is licensed to collect in my state ; and - Provide me with your license numbers and are a Registered Agent. As a result, per instruction of correspondence and pursuant Fair Credit Reporting Act and Fair Debt Collection Practices Act, the collections must be removed from all related credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

reporting two fraud credit accounts that has been on my report.
Product: Mortgage

We went through a loan modification of our mortgage through Wells Fargo roughgly 8 years ago. We had some financial hardships and were trying to work with Wells Fargo to help us stay current on our mortgage and stay in our home. The process was extremely long and frustrating. They kept requesting the same information over and over. We also got assigned 3-4 different people and had to start the process over each time. It finally was resolved and we moved on. 

During Covid when the rates went low, we tried to refinance to help and save some money and time on our mortgage. We were denied by the company we were going through because they said that Wells Fargo reported we were in foreclosure.at one point. I was shocked at this information because it was false. We had worked with Wells Fargo the whole way and never once did not send or did what they requested. So, this caused us to lose out on the historic lower interest rates that could have saved us tXXXX of dollars on the life of our loan. I did try on MULTIPLE occasions to talk with the company. I even asked to speak to supervisors/put in a complaint to them- I got no where. I really feel like that this company did not have our best interest and we are certainly worse off financially because of it. I knew that it was false and felt helpless to do anything about it short of getting a lawyer. 

Recently, we received a letter for Wells Fargo saying that they had identified an error that may have occured relating to the approval and finalization in the loan modification process and they offered us a check of roughly XXXX. They also said we could pursue this further if we feel that they had not made it right based on the amount they sent us. I did call and put my name into the mediation process. A financial friend also told us about your organization and encouraged us to file a complaint after I shared with them our situation. I want other consumers to be aware of what happened to us so these companies learn that there are people behind these phone calls and as a company they need to look out in the best interest of their clients. I really feel like we are owed something from the company because they prevented us from bettering our situation due to their error. 

Thank you for time and consideration with this matter and please contact me with any further information you need to pursue this complaint. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter regarding my credit report. Upon reviewing my credit file, I have noticed several unauthorized credit inquiries that were made without my explicit authorization. 

I would like to request and formally ask XXXX to promptly investigate and remove the unauthorized credit inquiries from my credit report. These inquiries have negatively impacted my credit score and financial standing, and I believe they were conducted without my consent. 

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/XXXX
Product: Credit reporting

Rec 'd a notice of hard inquiries on my credit report XXXX. We are not applying for credit nor trying to increase any credit cards. Why a hard inquiry in notated on my report is unknown and is in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, addresses on file, nor did I authorize these companies to pull my credit. Please remove them.
Product: Checking or savings account

Follow up complaint COMPLAINT ID XXXX On XX/XX/XXXX BOA single-handed decided to close my two accounts without notice. 

Today is XX/XX/XXXX, the funds have not been received. BOA has really bad services, their customer associate changes their narrative every time I call in. 

On XX/XX/XXXX, I received a photocopy of my checks. I called BOA and they promised to send out a new check. On XX/XX/XXXX BOA stated that the new check will be mailed out in 15 business days. On XX/XX/XXXX. BOA said they are not gon na send the check to me and I HAVE to wait until XX/XX/XXXX in order to receive a new check. 

This is unacceptable and I urgently need to use the money to buy my first home.
Product: Debt collection

There is a collection on my credit report for Fox Credit Collection Center XXXXXXXX XXXX XXXX XXXX XXXX XXXX I've never done business with anyone of these companies this debt is due to identity theft
Product: Student loan

I have applied for the XXXX XXXX XXXX from my private loans with XXXX Mohela XXXX I talked to them and they said based on my loans and where I went to school I qualified for the application. I filled out the application and waited the 60 days for a reply. I have called in a few times and am directed to a voicemail box. I have left voicemails and never had been contacted back. XXXX ext. XXXX During this time, XXXX sold off their loans to Mohela. I just got the rejection letter but the reason was very vague and did not say why I was not discharged. 

Here is the reason : A variety of factors are considered in determiningwhether a private loan should be discharged based on school misconduct and youdo not meet the requirements for discharge based on misconduct by your school. 

As you can see it doesn't explain why i got denied and has many errors in the reasoning. I think it was denied due to the switch. 

I am part of the XXXXXXXX XXXX XXXXXXXX lawsuit and was approved for my Federal Student Loans to be discharged. I dont see why my private loans would not be discharged as well due to me being part of the lawsuit that shows predatory and miscount from the schools.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 7 incorrect hard applications on my Equifax credit report. I have filed 3 disputes with Equifax and have been told i would have to wait 2 yrs before the entries would rotate off my report. I have addressed 5 of the seven entries with the companies on the report none of the entries can they find where i have applied for credit through them. So I have just gotten off the phone with Equifax .They can't explain ( XXXX XXXX ) what to do since I have filed three disputes over the Equifax site and been denied. They want me to contact the companies again and have them notify Equifax. its odd that all the companies have stated that they have not received any notifications or requests from Equifax regarding my entries. But Equifax states they have notified them to denie my dispute. I asked to speak with a supervisor, that took quite awhile to come on line., His name was XXXX ( he refused to give me his last name ) he said I had to notify another dept in Equifax , but he could transfer me to that dept. And couldn't tell me how to reach them. any way Equifax id giving me a run around and their info is not factual. I need help with resolving this erroneous entries on my credit report. I can provide each company involved and dates as necessary. Please let me know how to proceed.
Product: Credit card

Dear Capital One, I was shocked today when I reviewed my credit report and saw a late payment reported for XXXX XXXX, showing a 30-day delay. 

I am unsure how this occurred, as I believe I made my payments on time when I received my statements. My only thoughts are that my monthly statement might not have reached me, or the payment may not have been processed promptly. Additionally, it could be related to when I opened a new deposit account, as my bank flagged suspicious activities, leading them to close and reopen the account. 

Thank you for your attention to this matter. 

Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the fraudulent credit account appearing on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am requesting that the account be thoroughly investigated and removed from my credit report as it is a result of fraudulent activity. 

Explanation of Fraud : I have never opened an account with this creditor XXXX XXXX, and I believe that this account is the result of identity theft. I have attached supporting documentation, including a copy of my identity theft report and any other relevant documents, to assist in the investigation. 


Enclosed Documents : XXXX. Copy of Identity Theft Report XXXX. Identification to prove my Identity I appreciate your prompt attention to this matter and request that the investigation be conducted in accordance with the FCRA guidelines. Please inform me of any additional information or documentation needed to assist in the resolution of this dispute.
Product: Credit reporting 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 items. 

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: Student loan

My student loan servicer is Great Lakes. The only problem I have with them is that my phone number was potentially released by them to an illegitimate company. I rec 'd a call today, XXXX, and spent an hour on the phone, thinking I was being signed up for loan forgiveness under a new program called, Revised Pay as You Earn. I was asked my email, and they used it to change my password and access my account with Federal Student Aid. I was asked income and employer info. I was told I was eligible to pay {$200.00} a month for the first five months only, then $ XXXX month for 240 months, and then my loan would be forgiven. I was asked for a date I would pay, and then I was asked for a debit or credit card number. I said, You called me, nobody would give you a debit or credit card number! How do I know who you are? He repeated a number that I could call him back : XXXX, ex, XXXX.
Product: Checking or savings account

I can not open with ANY BANK everyone denies me and I have no idea why I've asked and no one wants to tell me what the issue is! I had an identity theft problem and I can only thing I c think of that as being why I havent deposited or less done anything to cause this to happeb
Product: Debt collection

XXXX XXXX XXXX  is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$390.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2020 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Mortgage

I had to file Ch XXXX bankruptcy in XX/XX/XXXX because my husband was unemployed from XXXX XXXX XX/XX/XXXX and I could not pay all of the bills on my income alone. He started working in XX/XX/XXXX and lost his job in XX/XX/XXXX. He applied for Unemployment but was denied because he had not worked long enough. From XX/XX/XXXX - XX/XX/XXXX my hours were decreased due to XXXX, and from XX/XX/XXXX - XX/XX/XXXX I had to go on XXXX and I fell off payroll and did not receive a paycheck at all! I used my stimulus checks and tax return to pay utilities and buy groceries, but I had nothing left! I was unable to pay my Ch XXXX payments and I contacted my attorney and informed him of the situation of my income. I received a letter from the courts last week stating my bankruptcy has been dismissed! 

Last week, I received a notice from Mr Coopers attorney, XXXX XXXX XXXX stating as of XX/XX/XXXX the protection for motion to stay was no longer in effect and I assume the foreclosure has restarted. I contacted Mr Cooper and told them that my attorney had not responded to me, and I was going to the bankruptcy courts to provide them verification I was unpaid for 3 full months because I was out on XXXX. However, I thought my forbearance did not expire until XX/XX/XXXX. The guy stated he would update the system and inform their attorney XXXX XXXX XXXX. On today, XXXX XXXX ( my bankruptcy attorney ) contacted me and said we have a court date for XX/XX/XXXX to reinstate my bankruptcy but the mortgage arrears will not be eligible to be included now?!?! I dont understand why not, and I told him as of XX/XX/XXXX I have been terminated from my job & I have applied for Unemployment. Online, it shows my mortgage is now behind over {$40000.00} and Mr Cooper is also charging me over {$5000.00} for their legal fees, inspections, and other expenses that I was not made aware of, nor did I agree to pay!! Hardest Hit of Alabama is no longer taking applications and I am trying to get an appointment with Consumer Credit Counseling or FHA to get mortgage assistance & help with my car note and other bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

hard iniqury on credit fraud usage on one and never completed the other and still ran threw
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw accounts reporting things I do not recognize.
Product: Credit reporting or other personal consumer reports

Identity theft XXXX XXXX. I phoned credit bureau an got no help.