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

This is XXXX XXXX XXXX XXXX and I am submitting this complaint to you today to inform the Credit Reporting Agencies that I was a victim of identity theft. I researched on how to remove the fraudulent accounts from my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an IDTHEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXXXXXX XXXX  XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$1800.00} XXXXXXXX XXXX XXXX  XXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$50000.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have read that according to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Student loan

My loan servicer, Mohela, failed to transition me to general forbearance after my processing forbearance expired. I applied for the SAVE plan in XXXX. Because they did not make the necessary changes, I have accrued approximately {$10000.00} in interest. Despite providing proof from the Federal Student Aid website that this is the required protocol, they have refused to correct the issue.
Product: Credit card or prepaid card

I have been fighting with Chime about my funds since XXXX of XXXX. They closed my account due to me receiving a refund from XXXX. I originally made a XXXX purchase in store which I used my gift card and put the remaining balance on my Chime debit card. When I returned the purchased item a few days later I no longer had the gift card and XXXX  simply returned the full amount to the debit card on file which was my chime card. That prompted chime to suspend my account and ask for information which I sent them the receipt email that XXXX sent me to show that I was the person supposed to get the refund to my card! As well as all other verification measures! They still did not accept and stated I had to send the information to XXXXXXXX XXXX I contacted the XXXXXXXX XXXX who stated they had no knowledge and didnt suspend my account at all. I have continually reached out to Chime in every way and they refuse to help. Half the time they will not speak to me on the phone they say I have to email but they dont respond aside from a automated email response. Again this has been months and the people in customer service are non helping. I need my money I dont want the account anymore after seeing how they do business but I also dont want to keep being given the run around when its been months and I am in financial turmoil in this pandemic!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ii filed a dispute with Experian regarding and account on my credit report. The account is XXXX XXXX XXXX. I requested that XXXX XXXX legally validate this debt and prove ownership of the debt. According to the Fair Credit reporting act. A company has to supply me with a letter of validation with in 30 days of m request. A company has to prove ownership of debt. XXXX XXXX has not validated this debt to the standards of legal debt validation nor have they proved ownership of debt. They have yet to send me a debt validation letter or prove ownership of this debt even though I started requesting this information in XXXX of 2021. Experian ruled in favor of XXXX XXXX and is claiming this debt is verified and so is ownership of this debt. I want to see the documents that Experian is claiming legally validated this debt and proves ownership of this debt. I have a right to see it and challenge the authenticity and legality of those documents.
Product: Credit reporting or other personal consumer reports

I am writing to express my utmost concern and frustration regarding the numerous, persistent attempts I have made to remove fraudulent items from my account with Credit Bureaus. Despite my repeated efforts, the resolution of this matter has been elusive, causing me significant distress and financial hardship. 

I discovered unauthorized and fraudulent transactions on my account. Since then, I have diligently reported the issue to your customer service department on multiple occasions. Regrettably, each attempt to address the matter has been met with limited success, and the fraudulent items remain unresolved. 

I understand the gravity of handling fraud-related incidents and the importance of a thorough investigation. However, the lack of progress and effective communication throughout this process has left me feeling unsupported and vulnerable. 

I urgently request the following actions to be taken : Immediate and comprehensive investigation into the fraudulent items on my account. 
Transparent communication outlining the specific measures being taken to address and remove the fraudulent transactions. 
Swift removal of the fraudulent items and a comprehensive review of my account 's security to prevent any further unauthorized transactions. 
Given the urgency of this matter, I expect a resolution within the specified timeframe from the date of receipt of this letter. It is crucial that the necessary steps are taken promptly to rectify this situation and restore the security of my account. 

If the issue persists without a satisfactory resolution, I may have no choice but to escalate this matter further, including involving relevant regulatory authorities and seeking legal counsel to protect my rights as a consumer. 

I trust that your organization takes matters of fraud seriously, and I urgently seek your immediate attention and action to address this critical concern. I am asking for your assistance to remove these fraudulent items in my credit file : 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
Product: Student loan

This online boot camp program is operating without a license, I am not receiving a refund which I am supposed to be entitled to, and I am stuck paying hundreds a month for this course that I havent used in months. 
They enroll people using a sales pitch method with very extreme promises. Their promise isnt very certain and the only thing that is guaranteed, is that I pay $ XXXX. 
This has caused me distress for the past few months since I have not been using the program anymore. I have been taking on other worries in life and I still continue to pay this loan off in fear of debt collectors. 
Furthermore, the contract Ive signed falls under the Texan law, in which it is required for Devslopes to be registered with the Texas Workforce Commission, which it isnt. Students are supposed to be entitled to full refund.
Product: Credit reporting or other personal consumer reports

I have attempted to reach out to Suncoast on multiple occasions. Multiple accounts are being reported inaccurately. MY credit card reported XXXX dollars more then value of the card, My pay day loans continue to reflect closed which should reflect revolving accounts. My Vehicle XXXX XXXXXXXX XXXX was paid in full but reflecting closed, My signature loan shows closed, A closed account can reflect as a negative account. I have been deligently trying to work with Suncoast to recitfy my concerns, but it seems to be passed on, A closed account is an account that can no longer be used to make charges, while a paid in full account is a closed account with a XXXX balance : Closed account An account that can no longer be used to make charges, but it may or may not be paid in full. A closed account can remain on your credit report for up to 10 years. The account information will show if there is a balance and whether the account payments were current, late, or had been late. 
Paid in full An account that has been closed and has a XXXX balance. When a loan or a closed credit account are paid in full, they should be reported as such on all of your credit reports.
Product: Credit card or prepaid card

This complaint involves the misapplication of a payment to a Lowe's/Synchrony Bank account XXXX which resulted in the loss of a promotional interest rate ( 0 % for 24 months ) and interest charges that would not otherwise have been incurred. Below is a time line of relevant events. 

[ XX/XX/XXXX ] - Purchase refrigerator for {$2700.00} with 0 % XXXX mo. terms. 

[ XX/XX/XXXX ] - closing date for XXXX billing statement, which included {$4200.00} in new, non-promotional charges. There was no previous non-promotional balance, as those charges are paid off monthly to avoid interest. Online payment for {$4000.00} submitted. Payment due date is XX/XX/XXXX. 

[ XX/XX/XXXX ] - Online payment of {$400.00} submitted. 

[ XX/XX/XXXX ] - closing date for XXXX billing statement. Rather than credit the {$4400.00} in payments to the outstanding non-promotional balance of {$4200.00}, Synchrony applied the payment first to pay off the promotional interest-free balance of {$2100.00} ( for which the 0 % promotion didn't end until XX/XX/XXXX ) and the balance of {$2200.00} to the non-promotional/regular charges, leaving a regular account balance of {$2000.00} after charging {$45.00} in interest XXXX 24.99 % APR ). 

[ XXXX XXXX XXXX ] - contacted Synchrony/Lowe 's via phone at XXXX to advise the {$4400.00} payment was misapplied and should have paid off the regular non-promotional balance of {$4200.00} and the remaining {$110.00} should have been applied to the promotional balance. Billing representative indicated they understood what happened and would submit the necessary request to correct the misapplied payment. 

[ XX/XX/XXXX ] - closing date for XXXX statement. I had not heard from Synchrony Lowe 's indicating they had made the payment adjustment and didn't consider this unreasonable as only a week or so had passed since I contacted them. This statement includes {$440.00} in new purchases and {$49.00} in interest charges. 

[ XX/XX/XXXX ] - submit online payment for {$450.00} to pay off the new purchase balance. 

[ XX/XX/XXXX ] - closing date for XXXX statement, which includes {$57.00} in new charges and {$46.00} in interest charges. 

[ XXXX ] - initiate online chat with Synchrony Financial to advise my prior request to correct the misapplied payment has not been processed as the promotional balance hasn't been restored and interest continues to accrue on the regular non-promotional balance. The representative understood what happened and indicated he made notes to document everything. 

[ XX/XX/XXXX ] - received letter from Synchrony Financial indicating they were unable to accommodate my request because they " are only able to reallocate payments to and from deferred interest promotions. '' This doesn't make sense, as the problem with the misapplied payment involves a deferred interest promotion that was incorrectly paid off with a payment that should have been applied to the regular non-promotional balance from the XX/XX/XXXX statement. 

All regular non-promotional balances have been paid in full, and no interest should have been charged.
Product: Debt collection

Open XXXX XXXX XXXX XXXX  ( open date XX/XX/XXXX ) action is they put it to collection I couldnt pay it because I wasnt working at the time and struggling with my personal bills home and my kids, XXXX  XXXX XXXX  ( open date XX/XX/XXXX ) I paid it off with the collection agency but its still on my XXXX  XXXX XXXX XXXX! This account isnt mines its for my mother so I dont knowing its on my account and I try dispute it and it never worked! 



XXXX XXXX XXXX amount is {$740.00} open XX/XX/XXXX account in collection I cant and couldnt pay it off because I was in stress and struggling in covid and I asked to pay half and they didnt take it I think this is a insurance company XXXX XXXX LVNV FUNDING LLC amount is {$890.00} open XX/XX/XXXX in collection now try worked out with them but they refuse to help me when I wasnt working LVNV FUNDING LLC amount is {$970.00} open XX/XX/XXXX in collection now try worked out with them but they refuse to help me when I wasnt working
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX or XXXX XXXX XXXX, XXXX. The balance of {$1000.00}. The account was opened in XX/XX/XXXX. The account was opened fraudulently. I have completed the following steps to resolve the account with the account : First, I contacted the creditor without success. After being unsuccessful in contacting the original creditor. I have also disputed it several times with the credit bureau due to it being fraudulent during a pandemic. 
- The original credit bureau was contacted on - XX/XX/XXXX and XX/XX/XXXX- The credit bureaus have been contacted on - XX/XX/XXXX and XX/XX/XXXX At this time, I have been unsuccessful in getting the fraudulent account removed from my report. I am reaching out to obtain assistance with getting the account removed from my credit reports. 

Discover Card reported a late payment which is also incorrect. I have had this account for several years, and have never been late with a payment. The payment was incorrectly reported, because of an issue with the website. I have attempted to have the situation corrected by contacting the creditor by phone in XX/XX/XXXX. I have also contacted the credit bureau without success via phone in XX/XX/XXXX and by letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE TELL ME AS TO WHY BOTH NEGATIVE ACCOUNTS FOR XXXX XXXX XXXX ARE STILL REFLECTING NEGATIVELY ON MY CREDIT REPORT. BOTH ACCOUNTS APPEAR AT A CHARGE OFF STATUS AND WITH NO BALANCES. ONE ACCOUNT LOOKS LIKE IT'S FROM XXXX AND THE OTHER ONE FROM XXXX. I HAVE NOT SEEN ANY DIFFERENCE OR CHANGES ON MY CREDIT REPORT WHEN IT COMES TO THESE ACCOUNTS, I NEED THEM REMOVED AS SOON AS POSSIBLE, I HAVE GOALS I WANT TO ACHIEVE, AND THIS IS STALLING ME FROM GETTING TO THEM.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that 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 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 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 or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX Date of Inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered that XXXX of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX  I account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to fix errors on my credit report since XXXX of 2020. Since XXXX I have sent several letters to the 3 major credit bureaus asking for validation of several accounts. Since starting this journey I have not received ANY letters from the credit bureaus. When looking up the response times it states that the bureaus have 30 days to respond it has been over 75 days and I have yet to receive any notifications. I sent two letters asking for validation of the following accounts on my credit report ( XXXX, XXXX, XXXX, & XXXX ). to this date I have not received a response from XXXX, XXXX or Experian.
Product: Debt collection

I reviewed my credit report and became aware that there is a collection from Jefferson Capital Systems for a XXXX debt with a balance of {$190.00} that was opened on XX/XX/2023. I do not recognize this account. I am requesting validation for this collection on my credit report. Validation requires proof of statement and a breakdown for charges.
Product: Mortgage

I have been led around by XXXX and Bank of NYork Mellon for eight full years while I tried to modify two loans : XXXX XXXX negative-arm loan on my home, the other a XXXX loan on a rental house. 
After eight years of this nonsensical routine of faxing hundreds of financial documents, jumping through every hoop, in time, facing foreclosure repeatedly, five times in a row it was even a wrongful foreclosure, I NEED HELP. 
I am now a XXXX. I need to be able to stay in my home. I need to preserve the savings I poured into the rental house. 
And I NEED TO BE HEARD
Product: Vehicle loan or lease

My lease payment auto-pay sent, by my mistake, an extra payment in XX/XX/2022 to Volvo Car Financial Services ( VCFS ). When I realized the error, I immediately called VCFS and the representative confirmed there had been 37 payments made ( 36 valid lease payments and XXXX mistaken extra ). My issue is that it has been over a week since that was acknowledged. I still don't have my money back. They claim they'd like to deduct end of lease fees from that amount. This is unacceptable. I will pay any legitimate fees as may be necessary. The potential for future charges does not justify VCFS holding money not belonging to them for an extended period of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : 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 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 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: Credit reporting

I consolidated my student loans in XXXX XXXX. I have been in good standingwith the XXXX XXXX borrowers ( XXXX ) since XXXX XXXX. This acct waspreviously being reported in error as a collection/chargeoff up until recently ( approx. 6 mos ago ). after disputing this information ; consistently since XXXX and going thru great length and providing detailed documentation from thenational student database, this account was changed from collection/chargeoff to paid to paid/closed ( again approx. 6 mos ago ). I disputed the dates a few weeksago ( it reports open in XXXX & XXXX ). I challenged the timeframe ( 10 years ) toremain on my credit report and I received only a few days after the disputeresults from Experian not only not honoring the dispute/or removing them basedon the dates exceeding 10 years but the report was updated to CHARGE OFFAS OF XXXX XXXX THUS LOWERING MY CREDIT SCORE BY XXXX PTS. 
ONCE AGAIN, THIS ACCOUNT WAS DEEMED PAID/CLOSED AS ARESULT OF A EARLIER DISPUTE AND HAS BEEN CLOSED XXXX XXXX. 
Theres no activity/updates to this closed account!!!! THIS ACCOUNT IS NOTA CHARGED OFF ACCOUNT. ITS BEEN CLOSED SINCE XXXX!
Product: Debt collection

This company is reporting a debt not owed. 
JDB Auto Finance, is not a Loan Company, yet a tote the note business. 
JDB company is claiming an amount is owed of XXXX, paid off for less then the amount owed, in a settlement. No correspondence or Auction report was ever received, in regards to a court case or settlement, nor does XXXX County show anything ever being filled. This company has violated many UC Codes and is moving in a fraudulent capacity. 
Additionally, I have a right to privacy and the all three credit reporting agencies have violated my rights by filing this on my credit, without notifying me or requesting my consent to do.