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

According to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, 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 by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


Fraudulent Inquiries XXXX XXXX XXXX date of Inquiry ( XXXX XXXX, XXXX ), XXXX XXXX date of Inquiry ( XXXX XXXX, XXXX ), XXXX XXXX XXXX date of inquiry ( XXXX XXXX, XXXX ), XXXX XXXX XXXX date of inquiry ( XXXX XXXX, XXXX ), XXXX date of inquiry ( XXXX XXXX, XXXX ), XXXX date of inquiry ( XXXX. XXXX, XXXX ) Kind regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # : XXXX Charge Off/ Collections, and Late payments Reporting of late payments or transaction history are illegal 15 U.S. Code 1681 ( A ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report ; Once there is a Charge Off a 1099C needs to be given to the consumer, which I have not received. 15 U.S. Code 1605 A ( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss. 

A charge off turns into income and should not be reported on a consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, PA, XXXX As a consumer I am exercising my right to ask that you please in writing, define using Federal Law what exactly is a late payment and why it is reporting on my consumer report. If this is what looks like a consumer credit transaction which means it was already paid for once a credit card ( social security card ) was used in order to obtain this alleged vehicle. Then why are there late payments present on my consumer report? Please show proof of these alleged late payments. If your company is unable to provide the information that is asked for then I am requesting as a consumer and the original creditor that the remedy for the violation of having inaccurate information on my consumer report be : Deletion from all consumer reports. 

Thank you.
Product: Credit card or prepaid card

I can not get anyone to help me. My child support went on the beginning of the month and I can not get it to let me transfer it to my bank account. Ive sat on hold for over an hour!!!! I need my money. Single mom of XXXX kids! I hate that Michigan resorted to using this XXXX Way2Go company. How do I get my child support?
Product: Vehicle loan or lease

Experian NEVER Did A Proper Investigation Into Any of the Accounts listed Below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  according to the FCRA The term investigate consumer report means a consumer report or thereof in which information on on a consumers character, general reputation personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information They did not do this. 

Also they have violated more of my rights According with the fair Credit Reporting Everything must be 100 % ACCURATE!! 

Experian stated this account was properly investigated but how if the Open Date is inaccurate, Last Payment Date in inaccurate, date last reported is not accurate This is Grounds for REMOVAL!! 

They Also Violated the law because according to 15U.S.C 1681 Sec : on 602 A States I have a RIGHT to Privacy.

15 U.S.C 1681 Sec : on 604 A States a Consumer repor : ng agency can not furnish an account without my wri [ en instruc : on. 
I DID NOT GIVE ANYONE WRITTEN PERMISSION
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  UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

Summary : My account was closed in error by Chase XX/XX/XXXX. After a CFPB complaint and months of effort, they reinstated the account. They did not provide me a new physical card. I have called XXXX times requesting a new card over the course of XXXX months, and have not received a single card from them. There is a hold placed on my account preventing my access to new cards, but nobody at Chase seems to understand why. An escalation supervisor assured me on XX/XX/XXXX that someone would definitely work to resolve the issue, and that they would respond in 5-7 calendar days. I have heard nothing from Chase. 

================================================================ Chase erroneously closed my account just after I paid my annual card membership fee in XX/XX/XXXX, and reinstated it following months of calls, and another CFPB complaint. As I had not had access to the account for nearly XXXX months during this process, I disposed of the physical card, assuming that it would be no problem to receive a new card from Chase when the account was reinstated. 

I have called Chase XXXX times in an attempt to simply have a card sent to me. Representatives I spoke with in XX/XX/XXXX, on XX/XX/XXXX, and XX/XX/XXXX all assured me that a card would arrive within 5-7 business days to my address. No card arrived. 

On XX/XX/XXXX I spoke with a representative who explained that a card had not been sent at all despite my previous calls. He offered to rush XXXX to me via XXXX in 1-2 business days. Of course, no card arrived. 

On XX/XX/XXXX, I called again, and was transferred to XXXX different agents before I finally reached an escalation supervisor named XXXX. He explained that he discovered a hold on my account, but could not understand who had placed it, as both the security/fraud detection and lending/underwriting teams denied responsibility. He said someone on their team would be assigned my issue, and they would need to resolve it in 5-7 calendar days. He assured me that I would definitely hear back from someone at chase within that timeframe. 

We are now 9 days away from my last call with Chase, and I feel my only option to get something done is to report my experience here. I have spent tens of hours simply trying to get my account functioning as it did before. Every individual at Chase claims to want to help, but nobody seems to be actually able to solve the issue. There is no follow-through from the bank either. 

My account functions in theory, but I have not had access to a working card/card number for nearly a year. I paid my annual fee last year and have essentially not had access to the card and account for the entire year. My annual fee is about to post on XX/XX/XXXX, and if I continue to try to work with Chase, I am convinced they will continue to withhold access to my card.
Product: Student loan

I sent the XXXX request about a month ago ( late because before that the system wasn't working ), and it still hasn't been processed, now I received a bill that I can not afford to pay, and I'm wondering if I'm actually expected to pay it even though I have a submitted but unprocessed XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to all 3 credit bureaus asking to have the information verified that is being reported on my behalf. All I received back was a letter stating that the information has been verified with no proof. I received a letter in the mail from American Credit Acceptance showing the date of my contract, which shows XX/XX/2017, but the credit reporting on my behalf shows that the account was opened on XX/XX/2017 which is incorrect. The balance due/surplus after sale is {$3600.00} however the reported balance on my credit report shows that the balance is {$5500.00}. This inaccurate information is a defamation of my character and I am extremely concerned with the handling of my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, Capital One Auto, has violated my rights.

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) states a consumer reporting agency can not furnish a report on an account without my written instructions.

15 USC 1681a ( 2 ) ( A ) ( i ) states that a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1666B states that a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I had an ER visit on XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX. During the visit, I saw a social worker who asked me about my XXXX and a nurse practitioner who checked my vitals. I never met with a doctor, since the visit was for a XXXX XXXX related to XXXX XXXX issues. Afterwards, I received a bill from the hospital which was promptly paid. After paying the bill, I received a collections letter from a company called XXXX XXXX XXXX XXXX for {$1200.00}. I called the hospital about this bill and I provided the hospital with the account number that was listed on the collections bill. The hospital had no record of any open accounts with unpaid balances. The hospital said I did not owe any additional money. I wrote to the collections to dispute this and they replied via email on XX/XX/XXXX. In the email they wrote, " Dear [ my name ], XXXX XXXX XXXX XXXX received your dispute regarding the above listed account. Your account was placed in a dispute status and a validation request has been submitted to the creditor. In addition, we have submitted a dispute record to the consumer reporting agencies.The creditor has not provided validation within a timely manner. XXXX XXXX XXXX XXXX has submitted a record of deletion to the consumer reporting agencies and returned your account to the creditor.To the XXXX XXXX XXXX, and to whom this XXXX concern, please accept this letter as written testimony of the deletion request and reconcile any discrepancies at once. Please contact our offices at XXXX if there are any further questions. '' Recently I checked my credit report to find a collections on my account from an entirely different debt collector, Elevate Recoveries LLC. I was never notified. The amount is for the same {$1200.00}. I have requested via email they provide evidence for this debt, since I have not been able to find any evidence of money owed, even after speaking directly with the hospital and after trying to call the phone numbers on the original XXXX  creditor letter from XXXX. I have tried to dispute this collection several times, but it remains unchanged. To this day, I have no record of ever being contacted or notified by Elevate Recoveries LLC. I want to get this collection removed from my credit report since there is no evidence that it actually exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Confirmation # XXXX XX/XX/2018 Equifax has not provided any documents from XXXX XXXX showing a Charge Off or money owed and Equifax has showing a Charge off but nothing as proof or documents to prove there charge off. 
I have provided from XXXX XXXX there is nothing owed or any amount of money owed.
Product: Mortgage

I applied for forbearance while I was on furlough  XXXX thru XX/XX/XXXX. Even though I was under a forbearance the ServiSolutions continued to call to say that I was in breach of contract and defaulted on my loan. It got to the point that I pulled money out of my savings account to make the back payments. 


When I called in XXXX to ask about the statements showing I was behind on my payments, the customer service rep told me to not worry about the statements. The statements are not correct since I'm in a forbearance. So I trusted her and I ignored the statements and started making my payments at {$940.00} per month. Now, I find out that ServiSolutions or Alabama Housing Authority has been applying my payments to the previous month 's statement and not the current month and they are charging me a late fee for not paying XXXX! Im also sure they will ding my credit report with a late payment! 


I have worked very hard to have achieved my XXXX credit score and I do not intend to have them ruin it with their sneaky practices. 


I just got off the phone with another customer service rep at ServiSolutions and she was not willing to help. She simply said that this should have been explained when I took out the forbearance and that the late fee was because I had not paid XXXX 's payment. I did pay XXXX 's Payment! 


Ive listed my payments for the last 12 months below. 


XX/XX/XXXX2020 BILL  PAY ServiSolutions ON XXXX {$940.00} XX/XX/XXXXXXXX  BILL  PAY ServiSolutions ON XXXX {$940.00} XX/XX/XXXX BILL PAY ServiSolutions ON-LINE ON XXXX {$2000.00} XX/XX/XXXX BILL PAY ServiSolutions MOBILE ON XXXX {$1000.00} XX/XX/XXXX BILL PAY ServiSolutions RECURRING ON XXXX {$920.00} XX/XX/XXXX BILL PAY ServiSolutions RECURRING ON XXXX {$920.00} XX/XX/XXXX BILL PAY ServiSolutions RECURRING ON XXXX {$920.00} XX/XX/XXXX BILL PAY ServiSolutions RECURRING ON XXXX {$920.00} XX/XX/XXXX BILL PAY ServiSolutions RECURRING ON XXXX {$920.00} XX/XX/XXXX BILL PAY ServiSolutions RECURRING ON XXXX {$920.00}
Product: Debt collection

Ive contacted the collection agency made them aware the cable account was open up without my authorization. Someone been using my social security for years that including tax fraud. This bill does not belongs to me im asking to be removed off my profile
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint as a follow up regarding remaining unauthorized inquiries and the inquiries I recently noticed on my 3 credit reports. Again, while Equifax has successfully removed all the unauthorized inquiries just this recent days earlier, when I habitually checked my Equifax credit report, I noticed these 5 unusual inquiries in it, the thing is when checking my records regarding those specific days I found none of the said inquiries I made to the companies. The same thing for XXXX and, in particular, XXXX. Like I said in my recent complaint the XXXX has removed most but not all of the specified fraudulent inquiries, with two inquiries remaining unresolved. However, from XXXX Credit Bureau there was no action has been taken to remove any fraudulent inquiries, and now these additional 6 inquiries added to my issues I need to fix in my credit file. I kindly request that XXXX, Equifax and XXXX Credit Bureaus promptly address the following fraudulent inquiries : XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. I want to ensure that my credit report accurately reflects my creditworthiness and remains free from unauthorized entries. As a consumer, I expect full compliance with the Fair Credit Reporting Act ( FCRA ) Section 605B, which mandates credit bureaus to investigate and respond to consumer disputes within 30 days. Considering that several months have passed since I initiated these inquiries, I request immediate action to resolve this matter.
Product: Credit card or prepaid card

In accordance with the federal credit reporting act this creditor has violated my rights. Under 15 U.S.C 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 166b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Mortgage

XX/XX/20 To whom it may concern : I am behind on mortgage payments. The mortgage company has blocked my online access to my account. I am trying to file taxes, and can't access relevant tax documents. 
I've written and called the company at least eight times in the last week without a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

BEFORE COVID 19 I HAVE ALSO BEEN INFORMED THAT I AM A VICTIM OF IDENTITY THEFT IN WHICH SANTANDER CONSUMER U XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX REPORTING A NEGATIVE BALANCE OF {$22000.00} AUTO LOAN THAT IS NOT ME AND THE XXXX DATA BREACH ALSO CONFIRMED I WAS VICTIMIZED. AND TO FILE A CLAIM, US DEPT. OF EDUCATION HAS A SCHOOL LOAN THAT DOES NOT BELONG TO ME WITH A BALANCE OF {$12000.00} XXXX XXXX XXXX  IS REPORTING A BALANCE OF {$460.00} THAT DOES NOT BELONG TO ME. 

PER TITLE 15 SUBSECTION 1628 A THROUGH Z FCRA I AM A VICTIM OF IDENTITY THEFT AND TO PLEASE REMOVE THESE NEGATIVE ITEMS AND INQUIRIES BECAUSE MY CREDIT REPUTATION HAS BEEN DAMAGED AND CAUSING ME GRIEF TO NOT BE ABLE TO OBTAIN ANY FORM OF CREDIT IN MY NAME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute the account with Synchrony BankXXXX XXXX on my credit report I learned about this account after pulling my credit reports. The credit card was open in XX/XX/XXXX. The amount owed is {$1800.00}. I called the creditor to inform them that I am disputing this account due to identity theft. I sent all the documents needed to prove my case. I was told this account had payments made. I did not make any payments on this account. I can also provide proof that I did not make or send payments for this credit card. I then reached out to my monitoring service to see if they could help and they also sent a dispute for me and called the creditor to see if they received documents and was told to fax power of attorney again I spoke to XXXX in the fraud investigation team on XX/XX/XXXX and states that they did a social media search and the email associated with my account popped up my information, I advised I do not have a XXXX card once again and the email address that I provided does not match their records for the social media search that they claim they completed. I called the creditor after speaking with my monitoring service to see what the outcome and was told they did have all of my documents including the power of attorney. While I was disputing the credit card from and while they were investigating. I received an alert stating I owed a balance and the balance was increasing. I called them to inform them this account was in dispute and why are they still reporting while being disputed and this is illegal. Also called my Attorney in Fact and advised to fax the fraud affidavit back to the organization to fax number XXXX. XXXX in the fraud investigations team was not helpful other than withholding information and then I call my Attorney in Fact to fax over the information and the claim would be open again allow 72 hours and then he asked if I had spoken to the police and i advised not since the initial police report was filed as the account was opened online using my name address SSN and phone numbers and a fraudulent email address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid the collections accounts of XXXX XXXX XXXX and XXXX XXXX XXXX XX/XX/2022. Both accounts were paid with the understanding that they would be deleted from each credit bureau. XXXX XXXX is reporting as settled but it was supposed to be deleted from XXXX and XXXX. XXXX XXXX XXXX was also supposed to be deleted but it is reporting as settled and paid on Equifax, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has not allowed me to continue to submit disputes and has prevented accurate information and/or removal of an account that does not belong to me. 

I sent a copy of the court documents showing this was an invalid collection account and they still continue to report the information.
Product: Student loan

My loan amount are inaccurate and when I attempt to enter into an income based repayment plan, it reports my loan balance is {$XXXX}. I have been trying to enroll in an income based repayment plan to no avail.
Product: Debt collection

I ordered a XXXX account. When I attempted to install the box, the account could not be set up on the system. After numerous calls, I was forced to give up and returned the equipment. I never received a bill to this day. Last year I noticed a collection company had posted a notice on my credit bureaus. I was never contacted to confirm if the charge was valid. After numerous efforts including contacting your agency, the notice on my credit reports was removed. This affected me for many months. Now once again a new collection agency is posting a collection on my credit report ( agency name ERC opened XX/XX/2020 in the amount of {$490.00} ). Once again I was never contacted to confirm this was an actual valid debt. If you review my credit reports I pay all my bills perfectly and on time. I am being deliberately harassed. Please help me.
Product: Checking or savings account

Wellsfargo never contacted me about the settlement but did send a {$47.00} check with no explanation. After I contacted them they decided to give me {$500.00}. I explained I wasn't satisfied with that amount and requested mediation. I had unauthorized accounts. Open fraud someone trying to access my accounts and credit card declined. Unnecessary fees charged I opened accounts with other banks and was told to contact them if not satisfied. I feel wellsfargo is trying to purposely pay me unfairly based on time effort and money I had to spend to protect my ID and accounts. I would like fair compensation compared to others with the same problems.
Product: Credit card or prepaid card

I was notified that the promotional offer was about to expire on my Care Credit Synchrony Bank Account, so I increased payment from {$600.00} to {$900.00} in XXXX to cover the amount. The company then stated they charged interest on a second promotional offer on the same card that I was not aware of. The customer service representative stated that they had split the payment instead of applying it to the expiring offer. The supervisor then gave an entirely different explanation saying that there were 3 different offers and stated that there was a grace period, but it had also expired. I was not notified about this either and was charged over {$1000.00} in interest fees. What I have available on promotional offers is a screen that says " differed no interest if paid in full by XX/XX/2022 ''. This screen does not show any other offers. Charging interest is deceptive business practice. In addition, I was charged interest on the entire balance which isn't supposed to be due until XX/XX/2022. I have attached a screenshot to show the only promotional offer I can see on the promotional offer screen. 

If you have a DEFERRED INTEREST/NO INTEREST IF PAID IN FULL promotion : To avoid paying Deferred Interest Charges on these promotion ( s ), you must pay the entire applicable Promotional Balance by the Promotional Expiration Date. On a Fixed Payment ( Extended Payment Plan ) promotional purchase, the Interest Charge is billed monthly and included as part of the Minimum Payment due. 
DEFERRED/NO INT IF PD IN FULL {$7600.00} Balance XX/XX/2022 Expiration Date