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

Inquiries not authorized : XXXX XXXX XXXX, XXXX ONEMAIN XXXX XXXX XXXX XXXX XXXX XXXX- not my account showing charged off XXXX of XXXX but still shows missed payments till XXXX of XXXX as if account was mine or even open. This account is not mine I have no knowledge of this account. It is also being reported differently to each credit union different last payment dates charge off dates and other mismatching information. This account is not mine and needs to be removed please help.
Product: Credit reporting or other personal consumer reports

I am formally contesting and requesting the expeditious removal of fraudulent account from my credit report. This dispute stems from a case of identity theft, for which I have filed a formal report with the XXXX XXXX XXXX. Furthermore, I have engaged with the bank associated with the fraudulent account. The bank has acknowledged the legitimacy of the identity theft report and have identified a potential system glitch that has impeded access to the records. They have assured me of the prompt removal of the fraudulent account, which have erroneously remained on my report for over five years. However, this fraudulent account persist on my report under your bureau, and I am curious about the verification process you have undertaken. XXXX and XXXX credit bureaus have ceased reporting this fraudulent account since the submission of the requisite documents. I expect your bureau will do the same. 

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

I was checking my credit score. I noticed an alert. The alert said a new credit inquiry. I did not allow XXXX XXXX XXXX XXXX to run a credit report. This credit report was run on the same day I was notified of the alert, XX/XX/2023. 
Did not allow access. Did not allow permission. 
I want this New Inquiry removed immediately from my credit report.
Product: Debt collection

Account opened fraudulently due to XXXX data breach in XX/XX/XXXX. Charged 500+ dollars to the account, went to collections before I even knew it existed. Went through XXXX to dispute. Gave all proper information, never removed from my credit report. Midland refused to acknowledge the legitimacy of my claim. Still calling me requesting money I am not, nor ever have been liable for.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 usc 1666d treatment of credit balance consumer refund demanded. XXXX. Loan from attorney general XXXX XXXX n crew. 18.usc 8 delete immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Uplift INC. has made an unauthorized inquiry on my report causing it to drop in points
Product: Student loan

I called NAVIENT regarding the two account ( s ) on which I am co-signer in XX/XX/XXXX. On two occasions I was given different information regarding accrued interest fees and late fees. I made a payment and was advised that all accounts were " up to date '', only to learn that there were still outstanding late fees. This impacts my ability to keep the loans " in good standing '' for other re-payment programs. 
Also, I was deceived into thinking that my daughter would receive a lower interest rate on her loans if I called and updated my personal and financial information. It became clear to me that NAVIENT simply wanted my updated information so that garnishing wages could take place for both me and my daughter, if necessary Customer service made no attempt to reduce her interest rate. 
Our interest rates are " variable '', but there have never been any adjustments in lowering them when the federal interest rates were lowered over the past 7 years. 
Finally, my daughter is now in " interest only '' payments which still allows the high interest rates on the loans to grow exponentially. Her loans have doubled since she took them out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into a 6-month mortgage forbearance in XX/XX/XXXX with XXXX because my husband was laid off due to the pandemic. As soon as my loan entered the forbearance period ( XXXX ) and I stopped making payments XXXX reported to the credit bureau that I had missed my payment. I, unfortunately, did not notice this immediately because I was told by XXXX not to be concerned with the late payment notification on my online account. At the end of the 6-month period, I made a request to extend the forbearance for 2 more months ( XXXX - XXXX ) which was when my husband would begin his new job. They granted my request for an extension but again reported that I did not make my XXXX mortgage payment to the credit bureau. At this time my parents, who are consignors on my loan applied for a second mortgage for an investment property. During their application process, they realized that XXXX had made multiple missed payment reports which had severely lowered our credit scores. At this time both my consignor and me made several attempts to contact XXXX to resolve this issue with minimal response. XXXX promised to fix the issue, fixed it, then again made negative reports causing us to begin the whole process of resolution over again. At the end of the extended forbearance period I was ready to begin making payments ( XX/XX/XXXX ) again on my mortgage but XXXX notified me that the paperwork was taking longer on their end so they were extending the forbearance for 1 more month. Again, they reported that I had missed my payment for XXXX. As of XX/XX/XXXX, I have officially exited forbearance and made my first mortgage payment to XXXX XXXX. As of XX/XX/XXXX, I still have 2 missed payment reports on my credit and my credit score has dropped 200-300 points. I have been denied for a small loan and have had one if my credit accounts closed due to the derogatory marks. My parents were finally approved for their mortgage after extending closing several times and settling on a higher interest rate loan. The time spent trying to contact XXXX, the stress this has caused, and the financial repercussions are still impacting us.
Product: Checking or savings account

We spoke to Bank of America nearly 4 months ago because we used their Billpay service to send a check to our HOA for a check for {$250.00}. This was on XXXX 2017. However, the check was stolen and cashed. The signature on that cashed check was not the HOA 's signature, and the account was not under the HOA name. We reported this check as stolen with the police. 

Bank of America, however, has yet to actually refund our check ( 3 months later ). They told us that we would get the money back in 90 days for sure. However, it 's been more than 90 days and they are saying that they are still waiting on the Federal Reserve to refund. I 'm not sure why they promised us we would get the funds back in 90 days if it was n't true. 

It 's taken more than 5 phone calls, countless hours and emails so far and we have not had the funds returned.
Product: Debt collection

some is using my name and social security number applying for cards in my name. I been receiving phone calls from XXXX and all around different states.
Product: Student loan

I called Navient in XXXX of XX/XX/XXXXto renew my reduced interest repayment program and give my new financial information. Since that time, my financial situation has changed again. I called on XX/XX/XXXX to give updated income and debt/income information. They told me that it could not be reviewed again until XX/XX/XXXX and that I was locked into that monthly repayment amount. I advised that over and over that my financial situation changed since then and they still would not review my account with me to possibly adjust my payments.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Which has not occurred in my case. Also these credit reporting agencies know it is illegal to report transaction history as well as utilization per 15 USC 1681i where it states " a report containing information solely as to transactions or experiences between the consumer and the person making the report ; meaning between myself and the institution I have dealings with not these third party companies. I am upholding my rights as a federally protected consumer. I have provided opt out notices to the financial intuitions which all have advised that my personal information isn't shared which I am aware is not the case per the Privacy Act Of 1974.
Product: Debt collection

Harris & Harris XXXX XXXXXXXX continues to call and send letters about an alleged debt but they have yet to provide any proof showing that I am liable for the debt.
Product: Credit card or prepaid card

Ever since I opened Chase Prime credit card I have been having issues with them attaching someone else 's checking account to pay my bills. I have NEVER given them written, oral, or electronic permission to access someone else 's account to pay my bills. I have complained about this numerous times and walked through correcting it over the phone with their customer service department beginning in XX/XX/2018 and it continues to be an issue. My XXXX bill was paid by another checking account instead of mine. I called in and asked them to immediately reverse it and charge mine instead. They can not get this corrected and the bill remains unpaid. They have completely ignored my complaints, charged me interest and fees, and won't address this problem with their IT department. Now they have frozen my card. I WANT TO pay my bill, but they won't fix the problem that is preventing to be paid. They are in denial that they have an IT issue, so instead of fixing it they just erase or they don't record my calls!
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM XXXX
Product: Mortgage

Flagstar is refusing to modify or defer my balance after utilizing a COVID forbearance under the CARES act..
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this 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 21 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  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Mortgage

CREDO - Mortgage Reporters Inquiry Date XX/XX/2020 Hello, This company placed an credit inquiry on my account that I did not authorize and I do not recognize. I tried to contact them several time but this company has been completely non responsive, I reached out to them by mail phone and email but I have not received any response. They are not giving me any information about this inquiry and I need assistance to remove it
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, unauthorized inquiries are being reported to my personal credit file. The Equifax, and XXXX Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

In XXXX I made a purchase through a company based in the USA for an item shipped from the USA while living in the USA. Chase charged me a {$24.00} foreign transaction fee. I asked Chase if this was a mistake and whether it was possible to refund the fee but was told foreign transaction fees can not be reversed. There was likely a problem with the charge being made in a foreign currency and that I should contact the merchant. I asked if the merchant were to reverse the charge and charge me again in USD whether that fee could be reversed and I was told no. Ultimately, chase charged me a foreign transaction fee I did not consent to because I was unknowingly charged in another currency. I view this as a UDAAP violation because I was in the USA the entire time and had no way of knowing I would be charged this fee, and I have no way of consenting to the fee, or correcting/reversing this fee I did not consent to. I also view it as deceptive for a financial services company to claim a fee they assess can not be reversed even in an instance where a mistake was made that was not the fault of the consumer. Consumer harm is done when Chase is able to charge fees that are assessed based on an algorithm, with no pathway to challenge said fees, especially under circumstances where the consumer is not asked to consent to the fee prior to a transaction. If I withdraw money from an atm and incur a fee, I am asked for my consent. I do not understand how or why Chase can assess a foreign transaction fee without similar consent, especially given that the charge was made in the USA and the consumer would not be weary of a foreign transaction fee given the circumstances.
Product: Bank account or service

I was the victim of a scam recently, I 've had my account at First Hawaiian Bank for less than a year and I 've never had too much money in it as I am only XXXX and just making my way in life. I was sent a fraudulent check by someone I thought I could trust for {$2600.00} which I deposited into my account via teller. I was instructed to use this money for an employer who would be moving in to my area to get his apartment ready for him and his family. I was told the funds from the check would be immediately available the day after. I withdrew {$2200.00} the next morning and sent it to who I was told was my employers " landlord and agent. '' I became suspicious of him when he became exceedingly demanding and I told him I would n't continue until he arrived, this only enraged him and he threatened to call the authorities on me and said I was trying to take advantage of someone who was deaf. Out of fear I withdrew the rest of the money {$380.00} to be done with it and sent it to the same person. Days later I receive a call from my bank telling me my check had bounced. But I had already sent this guy money! I just do n't understand how the bank can give me a loan, which is what they did, without my knowledge or agreeing! I feel cheated by my bank for not protecting me, not only has this left me with a big debt on my shoulders but it 's emotionally tolling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold a car, a  XXXX   XXXX , several years ago. The car is no longer owned by me or anyone that I know. It was purchased sometime in around  XXXX  or  XXXX ,  XXXX , in  XXXX ,  XXXX . I sold it in  XXXX ,  XXXX , in  XXXX ,  XXXX . I no longer have any records for the vehicle. The only information I have is a loan number that shows up on my credit report. When I applied for a loan to construct a new home, the bank asked about it. I reported it to the bank and to credit reporting agencies as an error, a closed transaction that should not appear on my report in  XXXX ,  XXXX . I respectfully request your assistance in having that  XXXX   Loan  acct taken off my records.
Product: Credit card

I became past due on my Discover Credit Card last year. In an effort to remedy the situation I agreed to allow Discover to automatically debit my checking account in the amount of {$140.00} for 6 months. In exchange for allowing this to take place, Discover agreed to credit the monthly interest and late fees for the 6 month period, place a one time credit on my account of {$700.00} at the end of the 6 month period, and to " re-age '' my account with the credit bureau so that the previously reported delinquent payment would be removed. This arrangement started on XXXX XXXX, 2015. After making the 6 on-time payments, Discover has informed me that they do n't have notes showing me the {$700.00} payment promise. However, they do have notes on my account that reflect the promise to re-age my account, but they refuse to do so with the XXXX major credit bureaus. After requesting that the recorded call from XXXX 2015 be located, I was informed that they were unable to do that. However, they would likely be able to get the call if required by the legal process. 

I 'm writing this complaint because it 's really disappointing that a financial company promises to do something, the consumer attempts to correct a wrong, and then the financial company does n't uphold their end of the bargain. I feel as if Discover took advantage of my willingness to pay and made promises they never intended to keep.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern about the current policy of asking consumers to send sensitive personal information via traditional mail, such as driver 's licenses, social security numbers, addresses, and utility bills. While I understand the necessity of collecting this information for credit reporting purposes, the current method poses significant risks regarding potential loss, theft, or misplacement, which could further compromise individuals ' credit security. 

I've attached the recent response and all requested documents uploaded to this secure portal.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCOMENITY/XXXX  I Hereby request Validation of debt collection practice act ( FDCPA ). Statements alone are not sufficient evidence of debt. As established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  a mere statement does not satisfy the burden of proof. therefore I request you provide : XXXX. The original contract or agreement. XXXX. A detailed accounting of the debt, including all charges and payment made. XXXX verification from the original creditor that you have the legal right to this collection debt. Additionally, I demand that you cease and desist from all communication with me, as provided by the FDCPA. This includes, but is not limited to phone calls, email, letters, or any other form of communication. Furthermore, this cease and desist request extends to any form of communication via my consumer reports. Thus, you must delete any entries related to this debt from all consumer reporting agencies. Account # XXXX XXXX if you fail to comply with this request.
Product: Credit card or prepaid card

My daughter and I both purchased Harley Davidson gift cards as XXXX gifts for my son. When my son went to the Harley store to use his gift cards, 2 of the 6 cards would not work. We have called XXXX  and Harley and have been told that XXXX ( a third party company ) is responsible for making it right. We have called and emailed XXXX, sent them copies of the 2 cards and the receipts for the cards and XXXX responded by telling my son that they were aware of an issue but " would not refund the money ''. We paid {$25.00} per gift card and still have all of the proof of purchase. We either want WORKING cards or a full refund! This is fraud and is unacceptable!! XXXX is located at XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, MO XXXX. Phone : XXXX. Email : XXXX.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnish accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

Today, XX/XX/year>, I received an email from an entity named " Cawley & Bergmann , LLC ''. In that email, they stated " We are trying to collect a debt that you owe to XXXX XXXX, XXXX. We will use any information you give us to help collect the debt ''. Several violations stated, in their own words, within those statements. Stating " trying to collect a debt '' on behalf of any person or entity in the XXXX XXXX XXXX XXXX requires that you have a valid instrument of indebtedness with a wet signature on it in its original form, especially in the XXXX XXXX XXXX That instrument was never presented. Stating " you owe '' to any person or entity means that those words were chosen in a manner that are beyond the exclusion of any doubt ; violating my XXXX Constitutional rights to be able to face my accuser ( XXXX XXXX XXXX  ) and my right to be innocent until proven guilty ( XXXX XXXX XXXX ).