23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX has posted a collection account onto my credit profile. I have no recollection of this bill. I am XXXX and on social security. I was denied an approval for a XXXX XXXX credit card because of this collection. I contacted the credit bureaus and disputed the account ; Experian, XXXX, and XXXX. Experian refuses to honor my numerous disputes with the aforementioned account. I am deeply disturbed and depressed by XXXX  XXXX 's and Experian 's action. Please see the item below : Account Info XXXX. XXXX, XXXX Account number- XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$860.00}
Product: Credit reporting or other personal consumer reports

XXXX  veteran, homeless tried to buy a house credit freeze was on, called equifax on XXXX and was unsuccessful, XXXX  compliance requires reasonable accomodation and equifax opted after one hour and me verifying myself fully for me to have to call back because the representative computer froze. 

I am still without a home and I am now trying to just get an apartment and this account is still frozen and I can not login. I have requested to several times for them to not inconvience and break the law but the employee refused to transfer me to a supervisor. 

I will be seeking legal remedy but in the mean time I do not have the energy, physically or mentally to continue to have to use the little energy I do have for companies that have zero respect for my serivce to this country. 

It is an uphill battle for basic things and it continues to impede my ability to focus on my health without being harassed and/or my XXXX to be ignored. 

I attempted to reset my password after 1 failed login and their system is trying to " FORCE '' me to call them. Why do company think they have the " RIGHT '' to force people while also forcing them to the mental anguish of their unskilled unqualified employees while this is against the law. 
Many laws, rules and regulations were broken, this goes against all their internal policies, employee handbook, laws, rules and regulations. 
I am being discriminated on my fair housing, fair credit, equal opportunity, civil rights act XXXX, privacy act XXXX, XXXX and many more. 

Perhaps if a company can not allow consumers to reset their passwords and other verification methods they should not be allowed to be on the www as this a technical minimum and such a basic task that have been around since the inception of the internet and here I am a XXXX veteran just trying again to buy a home or simply rent an apartment for now for over 5 months. Equifax has impeded my ability to do so many times along with other companies.
Product: Money transfer, virtual currency, or money service

Specifically Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.
Product: Bank account or service

I have been unemployed for the past XXXX months. I just started work this week, and got funds going back into my account. I had {$30.00} set aside ( the only funds that I had ) for my bus ticket from XXXX to XXXX to visit my elderly parents for XXXX. Chase bank gave me without warning a {$12.00} fee because I have not been making the direct deposit amount. Which I understand, I did not ask to waive it just to postpone it, they refused because they have waived it in the past. {$12.00} to Customer Care Specialists XXXX XXXX of XXXX Ohio is nothing, but to me it is me not able to go home now for XXXX. She told me not to take it personally but to make other travel arrangements. I just have myself, and my edler parents can not put money in a chase account in XXXX because there is no Chase branches in XXXX or Maryland. She kept telling me over and over to make other XXXX Travel arrangements. I can not bike to XXXX from XXXX, I can not walk. So maybe she is suggesting that a Chase Client hitch hikes to XXXX? I asked very nicely if I could speak to someone higher on the food chain then her, she refused and to " comfort '' me it is nothing personal. Yes it is, for XXXX 2015 I am not spending it alone because Chase bank has trained their employees to not even show some compassion to any degree on a holiday. 

She was clearly low or middle management, I was polite the entire time on the phone she refused to let me even try speak to her supervisor. I did not raise my voice, said please/thank you. Again, I understand it is a fee that needs to be paid since I am not making the direct. But All I needed was XXXX more week to pay this {$12.00}. Again this was my bus money to see my family in XXXX for XXXX XXXX, an overnight actually because I am WORKING again late on Fridays. 

It is XXXX XXXX and I received no warning at all from Chase that I would be receive this {$12.00} fee. NO WARNING. If I knew this, I would have bought my bus ticket yesterday and would be able to go home for XXXX XXXX. 

XXXX XXXX, https : XXXX, located in the XXXX Ohio HQ . If are you get her on the phone. It is best to politly decline any help from her and call back to get another CSR on the phone. She is not willing to help. 
I now have alot of time this XXXX XXXX to research policy and let fellow consumers know that it is more important to Chase Bank that they have {$12.00} from you because you have been poor the last month then a customer going to their only family on XXXX or to hitch hike down XXXX for XXXX to XXXX hours because that is the " other arrangement ''. 

I am closing with that I did not want it refunded. Just waived for one week so that I could go home. XXXX XXXX of XXXX Ohio ( https : XXXX ) Happy XXXX XXXX!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is inaccurate information reporting on my credit report. Therefore I requested a Investigation into this matter from XXXX, XXXX, & XXXX on XX/XX/XXXX. XXXX XXXX XXXX " XX/XX/XXXX '' & National Credit Systems " XX/XX/XXXX '' are not my accounts. It has been well over 30 days & I have not received a reply from any of the credit bureaus. Under the fcra these unverifiable accounts please remove from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous account reporting on my Credit Report and need to remove from reporting : XXXX-Balance {$0.00}
Product: Credit reporting

I was a victim of identity theft several years ago. I have police reports, etc. I filed to put fraud alerts on my credit report and I disputed the information with the agencies. They have failed to supply me with any supporting documentation of the validity of the accounts and they have failed to remove them. There are in fact accounts that I had from 15 years ago that they are still reporting even though they are violating the FCRA, and the florida statue of limitations. I have not been able to obtain credit until a year ago and it was a very minute amount of credit. The credit reporting companies have ruined my life and my ability to even buy a home, and because of their violations I have been forced to file for bankruptcy which will now stay on my credit report for 10 years. They are not even accurately reporting the bankruptcy information properly.
Product: Credit card or prepaid card

On XX/XX/XXXX, I filed a dispute with Navy Federal Credit Union ( NFCU ). With this dispute I provided documentation and evidence I returned the vehicle on XX/XX/XXXX to the XXXX airport. NFCU declined to investigate this incident, refused to consider the documentation and evidence I provided, and simply deferred to the merchant. I appealed this decision and asked them for a copy of their investigation and the documentation used to arrive at this decision. NFCU provided me with no investigative report and no evidence any investigation occurred -- the only documentation referenced in the determination of their decision was the Merchant Rebuttal from XXXX. 

I have photos of the vehicle returned to the XXXX airport, clearly showing the location as XXXX airport, time stamped at approximately XXXX XX/XX/XXXX, and marked with GPS coordinates from the phone used to take the photo indicating the photo was taken at XXXX airport . I have photos of the receipt for the gas station to fill up the car before returning it to the airport. I have evidence of my flight activity showing I departed Florida days prior to when XXXX claims the vehicle was returned. XXXX, to my knowledge, has provided XXXX  evidence their bill reflects an accurate or reasonable reflection of the services rendered to me. I provided all of this evidence to NFCU, however they refused to reconsider their decision or even reopen their investigation. 

After much back and forth with XXXX, they eventually acknowledged a discrepancy and revised the charge for this rental to {$200.00}. However this amount is still far above what I expect to owe, and NFCU provided XXXX assistance or independent effort to understand or correct this error. 

I feel doubly cheated, first by XXXX for this billing error/fraud, and second by NFCU for refusing to investigate and take action on this billing error/fraud. And to add insult to injury, neither company will provide reasonable explanations for their decision making process or justifications for their ( in ) actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing.
Product: Checking or savings account

NSF charged by Schwab for closed account on XXXX through XXXX. 

Schwab has victimized this client for the last time and will cover all costs associated for their decision to close all accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was reported to the credit agency without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. There are also inquires that are not mine XXXX XXXX   XXXX  XXXX/XXXX XXXX XXXX XXXX XXXX. I em doing this own my own and I have call the local police and FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is being sent to you to seek help about blocking the items from getting reported in my credit reports. The same issue, having many errors and fraudulent information, was addressed in the 3 Credit Bureaus. There were letters sent out to your office, but up to this date, I did not receive any response. And recently, the same items were reported in my most updated credit report. See the list of items that I am trying to dispute : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$290.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$190.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened XXXX XX/XX/XXXX XXXX : {$250.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Debt collection

XXXX XXXX Subject : Dispute of Debt Dear transworld system Inc I hope this letter finds you well. I am writing to formally dispute a debt that is currently being reported under my name, I believe there has been a misunderstanding regarding the validity of this debt, and I would like to request further clarification and evidence to support the claim. 

According to my records, I have never opened this account, I kindly request that you provide me with the following information : 1. A detailed statement of the account, including the original amount, interest, and any fees that have been added.

2. Evidence of my obligation to pay this debt, such as a copy of the original contract or agreement.

3. Any documentation that supports the current balance owed. 

Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt, and I would appreciate your prompt attention to this matter. Please note that I am keeping a copy of this correspondence for my records. 

I request that you cease all collection activities until this dispute has been resolved. I look forward to your timely response within 30 days from the date of this letter. 

Thank you for your attention to this matter. 

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

To whom it may concern, I was looking my credit score on XX/XX/XXXX and noticed a few things were inaccurate and never authorized by me. The following hard inquires I never gave anyone authorization to run my credit. It is to my understanding to the car dealership did it without my approval or knowledge. All I know is I have no knowledge of the following and want it removed from my report. I am asking for the following items to be removed off my credit report on XXXX and any other credit reporting agency company showing this fraudulent/not accurate information which includes the following XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. I will also attach a picture showing what is coming up on my credit report so you guys see it as well.
Product: Debt collection

I am experiencing issues associated with ID theft and disputed items on my credit file. I was contacted by letter by a creditor I now know as  XXXX   XXXX  regarding an opened account with  XXXX   XXXX  11 years ago. I proceeded to call the number stated on a letter from its representative (   XXXX    ) received on  XXXX   XXXX    XXXX   regarding my CFPB complaint #  XXXX .  <P/> I now find that the same credit or may b e reporting the same account although with a different account number under another nam e (   XXXX  /SYNOVAS ) and  this can be seen on my   XXXX   credit report. It reports the same balance owed but under a different loan typ e ( Auto ) an d again reporting on my  XXXX   XXXX  credit under personal loan also a different loan type.  <P/> I called the phone number that is reported to be  XXXX /SYNOVAS  XXXX  and the number is not a working number but they do have the same address as  XXXX  which is :  XXXX   XXXX   XXXX   XXXX   XXXX , MO  XXXX  who does have a working number  XXXX . I am asking for an explanation as to the purpose of reporting against the same balance ow ed (  XXXX  ) t imes using (  XXXX   )  different companies names but you a re one of t he same company. On top of that the original account with the  XXXX   XXXX  was opened without my consent and is a fraudulently opened account. My affidavit  XXXX  was reported as such to the FTC on  XXXX   XXXX   XXXX .  <P/> Who are these collection companies and its creditors because they are not known to me and I certainly do not own this or any other account they report. Why are they reporting false information and using guises and pretenses to destroy my credi I request they forward all information used in the validation and authentication of the person who this account was granted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, I am filing yet another complaint against your company. I continue to request your attention to this matter. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Please block this information from my credit report immediately, pursuant to section 605B of the Fair Credit Reporting Act you have four days, Please send the required notifications to all furnishers of this information and send me an updated copy of my credit report.
Product: Credit card

While vacationing in XXXX with my family this summer, XXXX fraudulent charges were charged to my account on XX/XX/year>. 

The XXXX charges in question were : * A {$270.00} charge on XX/XX/year> at XXXX XXXX XXXX XXXX XXXX XXXX IT * A {$1000.00} charge on XX/XX/year> at XXXX XXXX XXXX XXXX IT * A {$2000.00} charge on XX/XX/year> at XXXX XXXX XXXX XXXX IT These charges were made to my card on the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX while I was visiting ruins outside the city, XXXX XXXX  XXXX XXXX and I immediately notified Capital One that the charges were fraudulent and locked my card as soon I received email notification of the charges. 

Capital One removed the fraudulent charges on XX/XX/year>, but added the charges back on XX/XX/year>. 

Once the statement arrived, I sent Capital One certified letters ( to both their Disputes address and Billing Inquiries address ) on XX/XX/year>, disputing the charges and provided them with documentation showing that I was outside of the city where and when the fraudulent purchases were made ( return receipt shows Capital One received the certified letters on XX/XX/year> ). I have not received written acknowledgement that they have received or considered my dispute letters. 

On XX/XX/year>, I again sent Capital One additional certified letters ( to both their Disputes address and Billing Inquiries address ) to ensure that it was understood that the charges I was disputing were the re-added charges, in addition to the initial fraudulent charges. 

During this time, Capital One has been charging my account late fees and finance charges based on the disputed fraudulent charges. 

I have attached copies of all documents sent to Capital One.
Product: Debt collection

Good evening!! 

I have tried contacting the original debt collector and now this third party to see to it that this debt indeed belongs to me. I have yet to receive confirmation that this debt is truly mine. 

The Comprehensive Credit Reporting Enhancement, Disclosure, Innovation, and Transparency Act of 2020 or in short better known as the Comprehensive CREDIT Act of 2020 within section 401 explains details regarding any adverse credit details contained within my personal credit file that Id appreciate if XXXX would adhere to as is required by law. 
To not adhere to this law is accepting all consequences included and not limited to litigation, that will come fourth should you not comply with Federal Law. 
( 12 ) TITLE IVCREDIT RESTORATION FOR VICTIMS OF PREDATORY ACTIVITIES AND UNFAIR CONSUMER REPORTING PRACTICES Sec. 401. Adverse credit information Any other adverse item of information relating to the collection of debt that did not arise from a contract or an agreement to pay by a consumer is to be REMOVED FROM MY CREDIT FILE. 

Collection Account ( s ) - FBCS for the amount of {$1600.00} - LITIGATION I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX. I presume no evidence of the Alleged Debt therefore exists. This account remains on my credit file but needs to be removed at once.
Product: Mortgage

As part of COVID-19, I was qualified for mortgage forbearance plan starting XX/XX/XXXX with USBANK. I ended my forbearance plan XX/XX/XXXX by submitting the online process thru US bank. I understood that mortgage rate was going down and wanted to refinance around XX/XX/XXXX. I planned to be out of forbearance plan and put my account current for 3 months to be able to qualify for refinance. 

When I was filled out the application to be out of forbearance plan, I was told that it may take couple weeks to put your account current. I haven't heared back from USBank then I decided to call them. I called them multiple time and everytime they told me we have a lot of applications and the process may take more than expected. 

Later I got a letter telling me that your contact person at USBank is XXXX XXXX with call number XXXX XXXX. I called this number at least 30 times so far but everytime I am redirected to another representetive. I had no chance to talk to this person ever beside eveytime I need to start explaining what was going on in last couple months to the new representetive. 

After so many tried, on XX/XX/XXXX, they told me we need to start the process again. From that time to now that is XXXX XXXX, XXXX I have called them every week and every time they told me it is in process but nothing happened. 

I ended up missing the big oppurtunity of low rate refinancing during XXXX XXXX and still no clarification of what is going on with US bank. 

Now it is has been 8 months from first time I requested to put my account to current and still no sign of progress. 

I appriciate your help to make USBank responsible for default and delay and lack of coordination in their internal system. This process is making mental and financial impact to me and my family. 

Attached is two documents showing the status my application in XX/XX/XXXX, and XX/XX/XXXX. 

Thanks, XXXX XXXX