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

Equifax allowed Fraudulent credit accounts to be opened in my name without authorization and these accounts were opened online, only after my wallet was stolen. Not only did the thief 's forward my address but they also hacked my email address and used my information for their own gain. I submitted an FTC Law Enforcement Identity Theft affidavit to Equifax 2 months ago clearly stating the crime. Equifax blocked the fraudulent account 's due to the FCRA 605 ( B ) Law that requires accounts that have been created or established as a result of identity theft be blocked. Equifax later recsidended the block on some of these accounts without providing any documentation. These accounts are still fraudulent and I did not receive any information from these instituions on these accounts and I have attempted to contact them over 6 times now. First of all the two Accounts for XXXX XXXX XXXX XXXX XXXX which include a Line of Credit and an Auto Loan, are Fraudulent. I did not authorize these accounts, these were not signed by me and I never signed any information on these accounts. I do not have access to these accounts and Equifax has been notified as these accounts were listed on my FTC affidavit. Additionally, Without providing any clear explicit information, I did not authorize Equifax to rescend any blocks these accounts are still identity theft and I was never provided with any documentation on these accounts from Equifax no XXXX XXXX. Please follow the FCRA 605 ( B ) Law as I have clearly and precisely described the crime, and provided documentation. In addition the XXXX XXXX Credit Card is also fraudulent which was also listed on the Affidavit. You rescidend the block on this too without providing any information, documentation or even advising me of this.
Product: Debt collection

I have entered into a debt management program and I had let the company know this by leaving a comment here and leaving a message on their " Contact us " form on their website. I also had my previous funds recovered through my bank ( which was completed the week of XX/XX/XXXX ) because they should not have taken funds out after I had entered into a repayment agreement with XXXX XXXX XXXX ( which was done at the end of XX/XX/XXXX of this year ). 

Since then I have been getting phone calls and emails from them and I recently found out via a call checking site ( I do n't answer numbers I do not recognize ) that they are currently being investigated by the CFPB due to unscrupulous business practices. XXXX : XXXX Now I am not sure that I need to pay back what I owe but I wish the company would stop. I wish I had known earlier that this company is under federal investigation because I would not have done business with them if I had been aware of that.
Product: Credit card

About a year ago I received a promotional letter from Chase Bank which contains a few checks. It stated I can use the check for my discretion and the promotional interest rate will be 0 % until the end of statement on XX/XX/XXXX, after which it I will be charged the same interest rate as purchase. I understand it as by the end of XXXX XXXX the balance transfer will be treated as a purchase, and as purchase i will have the grace period of no interest if paid in full by the statement due date. On XX/XX/XXXX I even called and spoke with a account supervisor to confirm and was told that indeed the term is as I stated. I therefore, paid the whole balance off on XX/XX/XXXX ( the due date of the stayement ). However, I was still charged a interest fee of {$220.00}. I called Chase bank XXXX XXXX trying to have the charge reversed, but they refused and stated that balance transfer is not the same as purchase and there isno grace period. I believe the language used in the promotional letter is intentionally misleading! If balance transfer is not treated as purchase, they should stated that after the XXXX of XXXX statement ( XX/XX/XXXX ) a variable interest rate of .... will be accessed. But they did not state that, instead it stated after which it will be the same rate as purchase. Further more, the account supervisor should have me the right information when I called in XXXX of XXXX to confirm my understanding of the terms. I would also like to point out every other bank I have relationship with ( XXXX XXXX and XXXX XXXX ) treat the balance transfer same as purchase and therefore provide the grace period to the payment due date
Product: Mortgage

I lost my job XX/XX/XXXX but paid my mortgage until XX/XX/XXXX when severance and savings ran out. I called to ask for options and was told a Loss Mitigation package was required. Thus far, I've submitted at least 4 completed packages to Freedom Mortgage. I've called them every week since XX/XX/XXXX to follow up with these packages. Each time I'm told that I didn't do what they wanted. Each time I'm told that my emails weren't received. Each time I'm told that something is wrong, or I was told wrong information. 

About XX/XX/XXXX, I asked to speak to a supervisor because a woman who thought I wasn't connected ( internal transfer ) was trash talking me as I was listening. XXXX attempted to help me because the packet submitted in XX/XX/XXXX was declined, because THEY SENT THE WRONG XXXX version to me to complete. Each time it has been a failure of their employees to do the work. Each time has been because email doesn't work. Faxes are converted to email. Emails are then scanned into their system. 

Following dates are items that I have sent to keep up with their terms that everything must be 60 days current ( dated and signed ). XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I lost my job, but I'm now employed. I have more than two months of house payments saved. I'm not able to pay them anything because they sent my house to Foreclosure department and I'm only hanging on by a thread. I've complained, pleaded and begged for someone there to get this done. I want my house. I don't want this to go on anymore because they can not run a company correctly. Every month is a struggle with stress, emotions and constantly calling them. NO ONE CALLS ME TO EXPLAIN. It is only when XXXX was in contact with me that I got moment.
Product: Checking or savings account

It seems like my information was a part of a data breach which led to me finding out that there was a bank account opened and overdraft for {$230.00}. Which resulted in me being placed into check systems due to fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On multiple occasions, I have asked that this debt be verified as mine and neither the company nor credit bureau furnishes proof that said debt is mine. This debt does not belong to me and should not be reporting to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed with the credit reporting agencies that Bankruptcy # XXXX  and # XXXX  does not belong to me. The Bankruptcies Names and Social Security numbers do not match. Credit Reporting Agencies fail to establish correct name and social security. Social Security number is not linked with name according to Social Security Administration and Bankruptcy Court during the time the the filings claimed to be made
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX  XXXX  Account # XXXX, XXXX XXXX  XXXX  I Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX A Account # XXXXXXXX, 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: Vehicle loan or lease

The Kia Finance department which was supposed to send my insurance company a letter of guarantee failed to do so. It took several months to obtain this information and during this inappropriate & unprofessional time period the loan accumulated monthly charges which the gap insurance refused to pay. These charges which would not of been accumulated if Kia Finance would of responded in the appropriate & Professional amount of time to the insurance company. I shouldn't be responsible for this failure by Kia Finance and therefore they should retract these fees from my credit report as they have never tried to settle this and the collection company can not. The whole matter was handled inappropriately & without Professional conduct. They do not return phonr calls and when I reported this to the Attorney General they produced false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed fraud on my Transunion report of an account showing on my credit report through Transunion and XXXX. Both are reporting the account but have not provided notification of the account for XXXX XXXX. Informed them of the problems and disputed and did not verify any results and findings about the account. They did not provide proof of a contract with my signature
Product: Credit reporting, credit repair services, 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 U.S.C 1681.

15 U.S.C 1681 Section 602 A. States 1 have the right to privacy. 

( Original creditor ) is XXXX XXXX XXXX XXXX it was placed for placed for collection with a creditor by the name of MG CREDIT XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. It also saying that the account is closed but I'm also showing something saying its open. I think its open because of the company selling it to an collector. And the amount of {$1000.00} This was created back in XXXX XXXX XXXX ( 4 years ) 15 U.S.C 1681 Section 604. A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.S.C 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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

Equifax did not properly store sensitive information ( my social security number ), and has indicated that this information may have been stolen.
Product: Mortgage

As of today, XX/XX/XXXX, two mortgage servicer companies ( Shellpoint LLXXXX, XXXX New Penn Financial, XXXX NewRez Mortgage LLC ) and ( XXXX XXXX, under XXXX XXXX XXXX XXXX XXXX have been falsely claiming that our mortgage is several thousand dollars past due. In early XXXX, Shellpoint reached out to us and fraudulently claimed that the mortgage was several XXXX dollars in deficit, indicative of several missed monthly payments. No such debt was accrued, and this information is inaccurate at best, fraudulent at worst. In addition, Shellpoint continuously denied checks for payment, sending them back AFTER cashing them and not applying the amount on the check to the mortgage- we suspect this was done deliberately in order to set us up for foreclosure. 

Multiple times, we have demanded Shellpoint and XXXX XXXX correct these mistakes in keeping with federal mortgage laws, and multiple times, both companies have failed/refused to correct the information. As of today, XX/XX/XXXX, two notes of proof in the form of certified mail receipt are available to prove this. Any attempt to communicate by phone or email has ended in the phone call being terminated or email chain going dead. 

This is nothing less than an illegal takeover of our home. We have attorney representation. A prior attorney, in his own words, to the best of my memory, stated that it was the most ridiculous case of mismanagement or negligence in mortgage servicing he had ever seen.
Product: Credit card

On Friday, XX/XX/year> I received a XXXX billing statement indicating I was past due in the amount of {$18.00}. I immediately checked my emails and noted I never received any notification. I had no record of receiving the statement of the original purchase in the mail. I immediately made a online payment from my checking account the same day because I was concerned and did not want any problem. 

I also saw that my credit union showed my credit score had dropped from XXXX to XXXX. Upon checking the credit report it showed XXXX had reported me delinquent in the amount of {$18.00}. The actual charge was for XXXX but because I never received a statement a late fee and interest charge was applied making it {$18.00}. 

On Monday, XX/XX/year> I called XXXX customer service number and a recording said the call was being recorded because they were trying to collect a debit. I spoke to XXXX and advised her I was not aware of the balance due as I never received an original billing statement nor was I ever contacted by phone, email, or letter.and I told XXXX that they had reported me as delinquent to the Credit Bureaus, XXXX, XXXX, and XXXX. As I said I was never notified prior to the submission to the credit bureaus either by Phone, Mail, or Email. I know that on XX/XX/year> XXXX changed their credit card name from XXXX XXXX XXXX to MyLowes Rewards Credit card. I don't know if that was the reason I didn't get the original statement. In any case I was never properly notified as I would have taken care of the balance immediately. I reported a Dispute with XXXX # XXXX. I probably should contact the other XXXX credit bureaus also. My store account # is XXXX XXXX XXXX XXXX. 

XXXX posted payment on XX/XX/year>. 

My XXXX XXXX is very important to me and my payments are always prompt and followed up with if there was any question. This should never have been submitted to the credit bureaus without XXXX making contact with me first. 

I am mailing a letter to XXXX to ensure my rights in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 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
Product: Credit reporting or other personal consumer reports

Starting on XX/XX/XXXX I sent dispute letters to the 3 bureaus ( XXXX, Equifax and XXXX ) disputing the late payment on the Closed account with XXXX XXXX 

Payments status reflects CURRENT on Equifax and also on XXXX but on XXXX it is reflecting that I have been 180 Days late on a CLOSED account that has been paid in FULL and has a XXXX balance. 
I have submitted more dispute letters in XXXX XXXX and just recently today XX/XX/XXXX I have received no response and clearly this is not reporting accurately. According to the F.C.R.A any item or items that are not reporting correctly should be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

JP Morgan Chase bank uses XXXX XXXX, which using the scoring system of XXXX with XXXX. My XXXX XXXX credit score dropped 34 points and stated I used for the month of XXXX  83 % of my credit available, which is from my total credit for the month of XXXX. This is false and I have the receipts to prove it. I used 22 % of my credit line and XXXX XXXX using the reporting bureau XXXX using the XXXX scoring model is awful. I called Chase Bank in regards to the problem I have with this entity they are partnered with, and explained my frustrations. Chase Bank representative forwarded my call to a automated service with no luck. Called Chase again. I filed a verbal complaint. that the entity they are using has an oppressed algorithm. I was deferred to talk to XXXX. I called XXXX, XXXX rep informed me that they only use XXXX scoring and it will take 10-15 days to obtain a XXXX reading if I request one. I confirmed with XXXX, they only use XXXX scoring for their customers. So with this attempt to follow up with CHASE bank and contact XXXX XXXX, which has no contact phone number. I resorted to reporting both JP MORGAN CHASE BANK and XXXX XXXX. Reason for this complaint is that a CORPORATE BANK ( CHASE ) uses an oppressive scoring system with a fraudulent algorithm to suppress responsible patrons, who have CHASE BANK accounts from obtaining good credit scoring. I think it's irresponsible and controlling for a large corporate banking system to use a credit card entity, which oppresses responsible individuals from obtaining a good credit score that is earned with financially responsible means. Both CHASE bank and XXXX XXXX are responsible for this unsettling credit reporting flaw with a bias algorithm. I filed a verbal complaint with XXXX and CHASE Bank. If I use 22 % of your credit available and have 34 points subtracted from your credit score based on a false claim that 83 % of my credit has my used under the false pretense to OPPRESS a patron. That is morally wrong. 

I am reporting CREDIT JOURNEY AND CHASE BANK. This is absurd and inaccurate. 
I know my rights and if CHASE BANK doesn't address this oppressive credit score algorithm, I will take this to Federal Court and sue CHASE and XXXX XXXX for defamation of character and falsifying my credit report. People in the middle class do not get out of the middle class because of oppressive acts like this but I am not the middle class individual to accept such actions from a entity run by a rigged algorithm...
Product: Debt collection

Per my last complaint. This account has been in dispute with Hunter Warfield since XX/XX/2018. A certified dispute was mailed to the collection company multiple times requesting an itemized report of the alleged amounts owed and why. A copy of the lease has been received from Hunter Warfield, but this company has failed to comply by my request of an ITEMIZED report of WHAT is owed and WHY. A copy of the lease does not fulfil the request of an itemized report of the amounts owed and why. I have request this information because I was NOT evicted from this property. I do not feel that I am obligated to any amounts owed. Hunter Warfield has had over 120 days to provide proper verification of the amounts owed via the multiple disputes received regarding this account. Based on my last complaint, Complaint # XXXX-XXXX, a representative from Hunter Warfield was able to confirm that they have indeed received my request for verification of the amounts owed. They have not provided proper verification of the amounts owed. By law Hunter Warfield is obligated to provide the requested information within 30 days of the initial dispute. They are now breaking the law by keeping this inaccuracy on my credit report without providing me with the requested documentation. I do plan to use my rights under FCRA, to sue for deformation of character. Again, this is against the law. Attached is another copy of the notarized Dismissal from XXXX County Court house. Please DELETE this account. Balance owed is {$0.00}. 

Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of an account appearing on my Equifax credit report. XXXX XXXX shows a Balance/charge off {$660.00}. This is not my account and have never given anyone my permission or the authority to add me to their account as an authorized user.
Product: Credit reporting or other personal consumer reports

Please ensure the unauthorized accounts are blocked and removed from my credit report promptly. I did not initiate these accounts and do not recognize them. Under USC 1681g, I formally request their removal within XXXX days. Supporting documents are included for your consideration.
Product: Credit card or prepaid card

The company XXXX XXXX XXXX XXXX - aka XXXX XXXX XXXX closed my account stating delinquency. I have paid off the account numerous times, however they never send a bill or they are very sporadic in sending out email notification. They have also revoked all the points i built up stating their decision was based on account history.
Product: Credit reporting or other personal consumer reports

I've contacted XXXX over 60 times within the last 3 months relating to creditors being unable to access my Credit score. XXXX has yet to fix the problem, creditors are still unable to access my credit score. I also have requested over 10 times for them to mail me my updated XXXX XXXX XXXX XXXX its been over 90 days without any resolution to my problem, which is holding me up from moving foward in my life!! I was in the process of purchasing a home & now that particular home is no longer available because of this ongoing issue with XXXX. Just 90 days ago I had a beacon/credit score & all of a sudden no one has been able to access my information. This issue is causing extreme hardship along with them reporting inaccurate information on my credit file.
Product: Student loan

I recieved a phone call from Navient about student loan payments for 3 private loans ( XXXX, XXXX, and XXXX ) on XX/XX/XXXX. During that call, I asked the representative for verification of the debt pursuant to the FDCPA. She said she would mail it out immediately. At the end of XXXX, I received copies of XXXX promissory notes submitted for student-EXCELL loans to XXXX XXXX for XXXX XXXX, XXXX, and XXXX school years. According to the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Ind.App. XXXX ) " The contract in no way provides sufficient verification of the debt. '' When I again requested verification of the debt on XX/XX/XXXX I was told an electronic signature is evidence of promise to pay. However, the loan has not been verified since I have not received a full payment history and an explanation of how additional fees were calculated let alone proof that Navient holds the loan since the documents I received were all agreements with XXXX XXXX. 

Attached is everything I received from Navient in response to my request for verification of the debt.
Product: Credit card or prepaid card

On XXXX XXXX. I recieved an email from XXXX saying my order # XXXX was being shipped with some kind of blankets size twin and twin xl and more. The cost was XXXX I replied to the email saying I dont know anything about this. I didnt order blankets and not to send anything XX/XX/XXXX I get email from XXXX asking how I liked my purchase. I checked my Costco credit card and saw the charge for XXXX to XXXX. I immediately cancelled the Costco card I tried to call XXXX but they only email and I have about 20 emails to them and not very much response other than my IP address was used. Our neighbors have been doing a lot of things and we had a bunch of items stolen and now they moved suddenly I notified Costco visa of the fraud charge and they reversed the charge but later added the charge after the investigation I have asked for proof of the investigation but nothing XXXX wont respond and credit card just sent new card but still charged me XXXX. 

What can I do? 

XXXX XXXX
Product: Prepaid card

I filed a dispute with Paypal Prepaid by Netspend on XX/XX/2024. The dispute was about my card being stolen and fraud charges were made on my account without my authorization. Charges where approved without the use of my personalized pin. 

I was told to write a letter within 10 days for a provisional credit while my claim be investigated. I submitted my letter of request, and I was suppose to get an update on XX/XX/2024. As of today I still have no update or support.