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

In XX/XX/XXXX, a mortgage with XXXX  XXXX XXXX that was opened in XXXX for over {$120000.00} showed up on my credit report. I contacted them to let them know that the account was not mine. I do not own a home. I rent an apartment. I did Internet research and found out the address belonged to someone who shares the same name as I do. XXXX XXXX XXXX did several investigations and said the account was mine. I recently contacted them again and was told that the information from an old account that I had with XXXX  XXXX that was discharged during a bankruptcy in XXXX was accidently connected to this mortgage because of the same names. I emailed my social security number to verify that it was different from the mortgage. XXXX  XXXX XXXX will not update my credit report to correct this error. I am in the beginning stages of preparing to purchase a home. I can not this this because I currently have a mortgage on my credit report that does not belong to me. I have been contacting XXXX  XXXX XXXX monthly only to get the same brush off with no results. This mortgage was never on my credit report until last year. I can not get information about the account because the mortgage does not belong to me but still they will not remove it from my credit report. 

I reached out to XXXX with this same issue and they did the research and deleted this from my credit report which proves that this is a fraudulent account.
Product: Student loan

The XXXX I attended described the student loan process to me ( XXXX ). I was informed that everything was taken care of during registration. They explained there was an option to use private loans if the Department of XXXX could not cover the cost of tuition. I was told that any private loan servicer, would offer flexible payment options. I was provided with statistics of graduation success rates. 

Nearly half way though my tenor in college, I was pulled out of class to work with financial aid to take out private loans. This would typically happen near finals - A high stress time as a student. I was told if I didn't take out these loans, I would be forced to drop out. I was on track to graduate with honors, and meet the " success rates '' of graduation, I was remined that if I did not finish my degree, I would have large sums of debt. With out the credentials to work. 

After graduation, and while actively applying for work. I received my first student loan bill. It was more than my monthly income. 

I worked with the private student loan department at XXXX. I was told my only option was forbearance. By the time I was able to start making payments on these loans, the capitalized interest ballooned from the ball park of $ XXXX at my time of graduation, to $ XXXX. 

Currently, my monthly payments on these loans are in the ballpark of {$XXXX}. with only ( XXXX ) {$XXXX} being put towards the principle balance. Despite my success in college, and XXXX. I have never earned what the school eluded to my earnings would be, XXXX, after hearing my story, has yet to work with me on my payments. 

I have attempted consolidation. I'm rarely excepted by other lenders. And if so, the monthly payments are higher than my simple apartment.
Product: Credit card or prepaid card

Chase failed to fully enroll me in a travel benefit program. When I called to address the issue, Chase told me that I could still pay for the benefits out of pocket ( airport lounge access ) and that they would reimburse me fully. Now, they 're refusing to reimbursement part of the charge. 

Timeline : 1 ) XXXX 2017 : I signed up for the Chase XXXX XXXX card, and enrolled in the XXXX XXXX XXXX  program. Typically membership cards are then mailed to new XXXX members, but none was sent to me ( I did not know to expect this ). 
2 ) XXXX XXXX, 2017 : I attempt to enter a XXXX XXXX lounge with just my Chase card- they explain that I need a different card and that I should talk to Chase. 
3 ) I call Chase at XXXX. The agent re-initiates the delivery of the physical card, and tells me that, in the meantime, I may pay for lounge access at XXXX XXXX lounges, and that Chase will fully reimburse those charges. She says that the policy allows for a single reimbursement per round trip, so if I use lounge access on both legs of the trip, I should wait until they both post before submitting a single reimbursement claim. 
4 ) XXXX XXXX, 2017 : Via secure message, I submit a reimbursement claim to Chase for lounge access for {$69.00} ( {$45.00} on leg 1 and {$24.00} on leg 2 ) 5 ) XXXX XXXX, 2017 : I receive a physical letter from Chase saying that they 've approved the reimbursement of the {$45.00}. No mention of the {$24.00}. 
6 ) XXXX XXXX, 2017 : After several back and forth secure messages, a supervisor tells me that a ) their policy is to reimburse a single charge and they will not reimburse me for the {$24.00}, and b ) they have no record of me having spoken to a Chase agent about this on XXXX XXXX. 

I tried to handle this through Chase but I now feel that they 've intentionally misled me to get me to spend more than I otherwise would. They have records, I do n't understand why they 're unwilling to look at their own data to confirm this.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report due to identity theft. I recently discovered fraudulent accounts and inquiries that i did not authorize or open, which have nagatively impacted my credit. The items in question includes inquiries 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 have highlighted and proof of my identity. I request these items be investigated and removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

**This is my 3rd time submitting this information. I received a confirmation email, however when I log in it shows that I have no complaints. 

I did not authorize XXXX XXXX XXXX to pull my credit. I never signed an application. I reported this to Experian because they are who I have credit monitoring through and to XXXX XXXX. I was told by Experian that I need to contact the creditor which I did but to no avail. There are two credit pulls from them. 

I noticed there is a XXXX XXXX inquiry on my report from 2017. I NEVER authorized a credit pull. Period. I have reached out to both Experian and XXXX XXXX but have gotten nowhere. 

XXXX pulled my credit twice without my authorization. It was only supposed to be pulled once but it shows a pull on 2 separate days. I contacted Experian and again was told I needed to contact the creditor. Did so but have not heard back concerning this issue.
Product: Mortgage

I was approved ( XXXX of XXXX ) by the XXXX  for 18 months of forward payments. Despite being told this, and also being told that the payment was sent to my lender, the payment for XXXX was not applied to my account on the due date of XX/XX/XXXX. I then called and emailed whomever I could at all organizations trying to figure out when the payment would be applied, as its now past the due date and was just sitting there unclaimed. 
My issue is that my lender, XXXX XXXX  has these funds sitting and no one that I have spoken to at the company has any knowledge of the program, or how to then apply these funds to my account. I am sure there is someone at this company who knows what the program is and how to apply the funds, but I can not contact them or get through to someone knowledgeable enough to help. 

I was approved for the companys listed below and havent received a single payment from any of them. 
XXXX XXXX XXXX XXXX and XXXX XXXX XXXX I applied for this program because I desperately need the help. Now XXXX finally approved after a struggling wait of 6 months just to know that payments arent being sent on time which now causes another problem of my credit tanking. Can you please help? 

Thank you
Product: Checking or savings account

A savings account was opened at my bank using all of my personal information. The account has since been closed by my back.
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 USC 1681. 

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 has violated my rights. 

I viewed my Transunion report on XX/XX/year> and noticed that some things are inaccurate and incomplete. 

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 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, lf, after any reinvestigation under paragraph ( 1 ) 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 15 USC 1681s-2 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.

15 U.S.C. 1681B ( 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: Credit reporting, credit repair services, or other personal consumer reports

I am receiving emails from XXXX XXXX that I have taken a personal loan since XX/XX/2021. The loan company is from bestegg and I have never associated or even heard of the company name. It is stated that I have an unsecured loan with 60 month installment and requiring me to pay {$510.00} a month for the loan. I have disputed this with XXXX XXXX and would like to report identity fraud and theft of my personal information. This has happened before where my SSN was used and the police contacted me that my information was being used. Please help me as best as possible, the loan has ruined my credit score and the charges are also stacking
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting to XXXX  and Equifax incorrect and inaccurate information about my original account with XXXX XXXX XXXX. They have not fixed it despite my requests. XXXX is sending them a letter from the debt they bought from XXXX in XXXX. It became delinquent with the original creditor XXXX XXXX XXXX XXXX  in XXXX-XXXX. In XXXX, it was acquired/rolled over to XXXX. They are reporting the XXXX as the date of deliquency and hat is INCORRECT and they WILL NOT provide original creditor information. I have reached out to company and have told the credit agencies they are incorrectly reporting. I have requested ORIGINAL creditor dates over and over, and they take the letter XXXX provides from XXXX in XXXX as truth! Deceptive and malicious. Have submitted complaint about XXXX and now it is the agencies turn for skimming over me! This has impacted funding my business and buying a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent them a letter on XX/XX/2018 and then I sent them another letter on XX/XX/2018. They sent me a letter stating that because of this they get to extend their time investigating the items. Each letter stand on its own date and Certified Mail Receipt and I will not be extending the time for investigating the information. The law states 30 days from a complaint, whether another letter is sent or not. The second letter had other items on it, but the first letter still stands from the original date of XX/XX/2018. Thank you and I have enclosed a copy of the letter they sent me.
Product: Debt collection

This company said I owed them, but they charged it off and didn't send me a XXXX form.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had been invited to open a XXXX credit card approx. mid to late 2015. I had just secured social security. and had no credit useage for many years prior. apparently my score brought in all the credit offers. the offer was 12months 1 st year at no interest. they started off wrong right out the gate. I hadn't set up any account for XXXX  on my computer and was awaiting my first bill. they failed to mail to my residence my first bill. of course being a new customer I hadn't monitored time frame. I was also under personal crises and family matters. by the second month I did my inquiry. received my billing. they said they mailed but not my correct address. that could have been made by intrusions or failures on there part. nevertheless a late fee had been installed. im certain I had also set my due according to my finances. I believe it wasn't changed. then it seemingly was to there liking. idk where to point finger or why, but I did have a personal crises in Domestic financial abuses he may have been in involved idk. I kept paying late fees and seemingly never got my one year of no interest. despite my faithful payments. I was not being taken serious about my payment due dates. so as soon as I knew I had paid all I had charged on XXXX card I requested to close account one year later. I paid all I charged and late fees. in lieu of there non compliance and the financial abuses and possible fraudulent manner he may have had in tampering with my account or XXXX unwillingness to honor my requests, this service as a hinderance. I am victim to both sides. I had paid all I charged and late fees. they had continued charging these late fees. I do not owe and im on limited income too. I would still be a customer if I was treated fairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing because I am a victim of identity theft of XXXX XXXX. I did not consent to them doing a hard pull on my credit report which lead to a hard inquiry. No written consent is Identity Theft according to 15 USC 1681 consumer report exclusions. The sales rep at the store assured me that I would not get an inquiry on my credit report. I did not even want to apply for the card in the 1st place because I was making the purchase with my current cashback rewards card. Also I am currently dealing with Identity theft and have a fraud alert on my credit reports. The lady insisted that I get the XXXX or XXXX XXXX card through them and that I did not have to worry about the inquiry. I have tried calling XXXX XXXX and keep getting transfered to different departments then being hung up on. The sales representative was misleading. I want these inquires removed from both XXXX  and Equifax consumer reporting agencies. If this isn't fixed within 30 days I will seek monetary damages for my consumer rights that were violated and take legal action. I have filed a report with the FTC on this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. REMOVE ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

After noticing my identity was stolen I notified Transunion, XXXX, and XXXX that there were fraudulent accounts and inquiries being reported without my permission or consent. Starting with US SM BUS ADMIN ODA XXXX XXXX, XXXX on XX/XX/2021 and XXXX XXXX, XXXX XXXX on XXXX XXXX, XXXX on XXXX XXXX, and XXXX on XXXX XXXX. I sent out my own letter not using a third party " credit repair '' service.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUESTED CREDIT REPORT FROM FREE ANNUAL CREDIT REPORT AND WAS DENIED. I WAS DENIED CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am writing this statement on my behalf in regard to the following information on my files/bureau reports. I am a victim of identity theft and did not authorize any of the following charges/inquiries listed in this report and on my credit files. I reported the theft to the Federal Trade Commission, CFPB, and local police authorities. I request that the following items be removed from my credit report immediately : Accounts : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

To CFPB, I have a public record on my file for the last 7 years, that is not mine. I have tried disputing with the Experian and XXXX  multiple times. 

The weird part is, I called the bankruptcy court myself today and they told me they do not share or communicate any information with these credit bearus at any time. Not even XXXX XXXX a thirds party company. 

The only credit bearu that has deleted this bankruptcy off my credit is XXXX. They are following the FCRA as for Experian and XXXX they are breaking the law of inaccurate and unfair reporting. 

This letter serves as record I have done my part to communicate with them but they dont want to correct it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the item that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify this claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that is UNKNOWN to me : XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$14000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX bankruptcy, Reference Number XXXX, Date Filed XX/XX/2017, Date Resolved XX/XX/2017, Court Information, US BKPT CT FL XXXX, Address, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX FL XXXX, Phone Number ( 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 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

reviewing the following accounts that appear on my credit report, without any authorization, is hurting me Identity Theft XXXX XXXX  XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft GM FINANCIAL Account Number : XXXX This is not mine. 

5. XXXX  XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : {$24000.00} ; XXXX XXXX Balance Owed : {$6300.00} ; XXXX XXXX XXXX Balance Owed : {$2000.00} ; XXXX XXXX XXXX Balance Owed : {$3000.00} ; XXXX XXXX XXXX Balance Owed : {$3000.00} ; XXXX XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX XXXX Balance Owed : {$3500.00} ; XXXX XXXX XXXX Balance Owed : {$6800.00} ; XXXX XXXX XXXX Balance Owed : {$4900.00} ; XXXX XXXX XXXX Balance Owed : {$3200.00} ; XXXX XXXX XXXX Balance Owed : {$21000.00} ; XXXX XXXX XXXX Balance Owed : {$4000.00} ; XXXX XXXX XXXX Balance Owed : {$7000.00}.
Product: Credit reporting

I am filing a dispute with Equifax regarding an item on my credit report. However, the reason for this complaint is not the dispute itself, but the Equifax dispute process. 
My complaint is that Equifax clearly has my credit history and address history. However, when I try to file an online dispute, Equifax asks to 'verify my identity ' by giving me choices among credit transactions which are clearly not mine. As a result, I am told that 'The information you provided does not match our records so we are unable to process your request online. Please FAX your dispute and a copy of your driver 's license to XXXX. ' I maintain that this is merely a scam to make it more difficult to file a dispute. I gave Equifax my social security number and date of birth. Correct information ( with one item subject to dispute ) is clearly available on the Equifax web site. 
They gave me choices which clearly do not apply. When I answered 'None of the above ' to all of the questions, I was forced to go to additional trouble to register my dispute.