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

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. 
Experian To Whom It May Concern, I have reached out to your corporation on numerous occasions asking you to validate the validity of the accounts that are reporting on my consumer report. After each contact, your company has noted these accounts have been verified and updated on my consumer report. Your company has refused and or failed to provide me with your investigation process. By law, you are required to investigate anything that is furnished on my credit report. I have requested for the method ( s ) of verification of the investigative accounts and how did the company come to the conclusion that these accounts are accurate? Congress found in the congressional findings that you are using an elaborate mechanism to determine my credit worthiness that is unfair and undermines my due diligence to extend my credit. After further research, CFPB released an article in detail that proves this company has not properly handled consumers disputes because proper investigations were not conducted extensively. With Experians misconduct, this has caused a strain on my personal life and has caused me hardship with extended my credit. Furthermore, I NEVER consented to this information being furnished and this infringes upon my right to privacy as a federally protected consumer. I am demanding this information be taking into consideration and these alleged accounts will be deleted from my consumer credit profile that you continuously updates. I will escalate this and hold Experian personal liable for their deception. Whoever willfully and knowingly gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. 


The following accounts will be deleted from my consumer report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXa Without XXXX.
Product: Checking or savings account

So I received a check for {$36.00} from XXXX XXXX.. I tried to mobile deposit it and that triggered my account to get shut down.. all my moneys frozen and now I dont know where my direct deposit is from my payroll job. This should not have been a bad check I had tracked it for 10 days waiting for it to arrive. Im just so shocked such a small amount triggered all this. This should had been a good check.. this makes no sense to me.. I am also contacting an attorney because XXXX XXXX  refuses to respond. Now I cant pay rent, buy food or gas to get to work.. and it is messing my life up so bad.. had I known XXXX  would send me a bad check I would never had tried to deposit it.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX 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: Debt collection

I fell for scam and I went to the bank and to fix it and they couldnt do anything to stop or give me my money back and at first they said I owe {$300.00} now they saying I owe {$1700.00} and XXXX cant afford to pay that off I have XXXX and on low income and its thier fault They need to take it off They keep buying me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX numerous times regarding my account and continue to experience credit reporting issues. 

I recently received a credit alert suggesting XXXX reported my account 30 days delinquent. Notably, I have been on a forbearance plan since the onset of COVID-19. Please see the attached confirmation letter from XXXX confirming the extension of my forbearance plan thru XX/XX//2020.
Product: Student loan

I am a borrower with Mohela student loan servicer because I am enrolled in the public service loan forgiveness program. In XXXX, XXXX my loans were placed into administrative forbearance by Mohela and I was told it was because they were " switching platforms '' and it would be resolved shortly. I called once a month to check on the status of this because it was impacting my ability to apply for PSLF forgiveness, as I was nearing XXXX payments. I have four months of Mohela-imposed administrative forbearance ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) attached to my account. I was told multiple times on the phone, email, and on their website that because this was Mohela-imposed administrative forbearance, those months of forbearance would count towards PSLF payment counts as long as I was employed by a qualifying employer. I was told to recertify my employment in XXXX, which I did. My employer was acceptedbut those payments didnot adjust. XX/XX/XXXX should have been my XXXX payment and I should have been able to apply for loan forgiveness in that monht. When those four months still showed as " ineligible '' in XX/XX/XXXX, I contacted Mohela to ask why. They said it was because of the DOE and they couldn't do anything about it, and I would have to just keep paying my monthly loan payment until the DOE pushed those payments over into " qualifying ''. It is now XXXX and those XXXX payments have not moved over. I have paid XXXX months past the point I should have paid, and now I am learning, based on an email from the DOE, that my loans are going to be " serviced '' again, and I will not be able to apply for forgiveness " through XXXX '' which likely means XXXX, however I am still required to keep paying my loans and I will receive a refund for overpaid. This has caused undue financial hardship and is penalizing borrowers who are owed forgiveness through PSLF.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF AN IDENTITY THEFT, AND THE COMPANIES THAT REPORTING ON MY CREDIT REPORT ARE FRAUDULENT. JUST BECAUSE ITS EQUIFAX AND BIG COMPANIES IT STILL GIVES THEM THEM NO RIGHT TO REPORT FRAUDULENT INCORRECT INFORMATION ON MY CREDIT REPORT. I HAVE BEEN REACHING OUT TO THEM FOR MONTHS, I HAVE REACHED OUT TO THE CREDIT CARD COMPANIES AND THEY CANT FIND ME ON YOUR DATABASE, BUT YET THESE 2 ACCOUNTS ARE NOT REMOVED FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

I have identified the reporting of the information on my consumer report that are a result of identity theft. these information are not related to any transactions by me. its unauthorized. PLEASE DELETE FRAUDULENT UNAUTHORIZED OF REPORTING INFORMATION ON MY CONSUMER REPORT.. 
THIS COLLECTION ACCOUNT - XXXX XXXX ACCT # XXXX
Product: Student loan

Payment to student loan submitted on XX/XX/XXXX, and scheduled for withdrawal from my bank on my payment due date of XX/XX/XXXX is recorded as past due on my XXXX statement. It was withdrawn from my bank, I do not know why EdFinancial would show it past due. 

Secondly, my XXXX statement ( which is the only statement I can access now -- despite my loan history going back to XXXX ), is showing the interest rate on my loans as variable. All of my loans are Federal loans going back to origination dates of XXXX and should have FIXED rates. 

I have attached the XX/XX/XXXX statement showing both the payment error and the interest rates.
Product: Debt collection

Checks were mailed to company for payment in full. Representative verified that they received monies but paperwork with acct numbers has been lost by company so they returned the checks to me. Debt should be paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly a joint account for the XXXX partial account number XXXX. ( Please see pages 5 and 6 of the attached credit report. ) I have not been associated with this account, nor has my name been on the loan since 2011, and the account has since been transferred. This incorrect reporting is harming my credit score. Please delete this item from my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim XXXX  XXXX  XXXX and have told this company and the XXXX credit bureaus as well as sent all my documentation and u am XXXX!! My XXXX  did this not me so take it off my credit report now! You are preventing my daughter and I getting to safety!!
Product: Bank account or service

i am not able to open up a bank account because when i was XXXX i opened up my first bank account with bank of america with a counterfeit check that i received in the mail. i was young and i did n't know any better because it was my first bank account. the way i got a the check was by applying online to a job that was being a secret shopper. the point of the job was to give feed back about the shopping experience. so they sent me a check and i did not know it was fake. i did not try to withdraw any money either i just wanted to deposit the check but not take any money out. i was a victim of a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am doing a follow up notifying the XXXX and XXXX that I was a victim of identity theft, and this is another request to block and remove these inquiries from my credit file resulting from alleged identity theft. Again, Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to block and remove any items not later than 4 business days after the ( XX/XX/XXXX ). Ive already included this items in my identity theft report in my previous letter & I am including it again. Also, I found another unauthorized inquiry in my TransUnion Credit Report, and I know that this inquiry was opened without my permission. Please see below the inquiries that I urgently needed the 3 Bureaus to remove : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION : XXXX XXXX XXXX
Product: Checking or savings account

I filed a dispute for a {$17.00} transaction on XX/XX/XXXX. It was " investigated '' for 2 business days before being closed on XX/XX/XXXX ( please note the weekend ). I then appealed that decision as it was clear no investigation took place. I also made a complaint against the company to XXXX. On XX/XX/XXXX, I received a vague email about the security of my account. I called only to find out that my account is being closed and I have no access to funds. I can not even transfer money out to a different account. I have {$6000.00} in the account and they could not give me a reason as to why this was happening or a timeline on to when I may have my money back. Being XXXX XXXX XXXX, I have no access to my funds and they can't even tell me why. There are numerous other individuals on XXXX with the same exact experience. SoFi is not a trustworthy bank.
Product: Debt collection

They have been calling my dad multiple times a dad and my work as well
Product: Credit reporting or other personal consumer reports

Im wanting these inquiries deleted because I did not authorize these companies to run my credit its fraudulent
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number- XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX , XXXX XXXX Account Number - XXXX, XXXX XXXX  Account Number XXXX None of these account belong to me please remove from my credit report immediately!! thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit inquiries and accounts that I am unaware of. I wrote XX/XX/XXXX, Equifax, and XX/XX/XXXX over 45 days with no response. I have attached a copy of the incorrect information and identify theft letter. 

Please help. Thanks.
Product: Credit reporting or other personal consumer reports

I submitted a complaint last XX/XX/2023 and it was closed immediately and marked as no further action with a reason ( The CFPB closed this complaint because it has already processed your earlier complaints about this problem. ). I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/2024 I am reporting a fraudulent inquiries found in my credit report
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : XXXXConfirmation of corrections made to the disputed items. 
XXXXAssurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

A Wayfair Credit Card was open in my name on XX/XX/2022. I was unaware until I heard from Wayfair saying that they suspected fraudulent activity. I promptly had the account closed but there was already a {$3200.00} balance on the card. The company ( Citibank ) open an investigation and declared it closed without asking for any additional information info ( other than my DL number ). I called back and it was reopened and then declared closed day later without any remarks. I called back last week and I am currently in the process of filing a police report and providing a copy of my license and bank statement per their request to have it reopened.
Product: Credit card

The issue is the American Express Payment Hierarchy. Amex offers a " Plan It '' option in which charges can be converted in to a fee based installment plan. This type of installment plan is a little cheaper than the current 19 % revolving credit charge rate. The only way I can pay down my credit charges is to pay the " Plan It '' installment including the fees first even though it is already current and set up in autopay. I use the credit portion of my card to earn my points and then pay it off so that a balance is not carried. Even if I just want to throw a little extra cash to my higher interest ( 19 % ) part of my revolving credit card balance, I can not. I have to pay the entire monthly Plan It portion first. I also asked what the Plan It equivelant APR cost was for a comparison of the actual savings but it could not be explained by the representative. 

I have been hung up on, passed around departments, and lastly told the policy can't be changed. I tried asking that my issue be handled by a review board with the authority for consideration of my complaint but during my explanation to a CSR supervisor, the phone went silent. 

In summary, American Express is taking advantage of the consumers who use the " Plan It '' program by not allowing the higher cost credit to be paid separate or first in their current payment hierarchy. 

I have tried to work this out for multiple billing cycles without a satisfactory explanation or resolution. 

If possible, please help.
Product: Credit card

I am writing to express my objections with the recent experience I had while applying for an Amazon XXXX Chase Visa card. My application reference number is [ XXXX ] dated XXXX XXXX XXXX 

Upon submitting my application, I uploaded my state ID as requested. Subsequently, I received communication from the company 's fraud department, prompting me to verify my identity. Following the provided instructions, I called the designated number, but unfortunately, the operator was unable to fulfill my request. I was then instructed to visit the nearest Chase Bank branch with my ID for further assistance. 

I visited the XXXX XXXX Missouri branch, where I met with XXXX XXXX XXXX. I presented my valid ID and credit cards, and XXXX XXXX diligently worked for several days to facilitate communication with the Chase Fraud Department, aiming to verify my identity. To my surprise, after a prolonged period, I received correspondence notifying me that my application was denied on the grounds of fraudulent information. 

My primary concern lies in the fact that I had presented valid identification during my visit to the Chase Bank branch. The denial of my application occurred only after XXXX XXXX submitted copies of my Missouri State ID, which also confirmed my status as an African-American male. This sequence of events raises serious questions about the timing and basis of the denial. 

I am deeply troubled by the possibility that I may have been discriminated against based on my race, in violation of the Equal Credit Opportunity Act and the Fair Credit Reporting Act. It is disheartening to believe that the actions of an inept fraud determination process, coupled with my racial background, may have influenced the unfavorable outcome of my application. 

I kindly request a CFPB thorough investigation into this matter and a reconsideration of my application. Additionally, I urge Chase to review and enhance its procedures to ensure that all applicants are treated fairly and without bias. I trust that Chase Bank, as a reputable institution, takes such matters seriously and will address this issue promptly. 

Thank you for your attention to this matter. I look forward to a swift and just resolution. 

Sincerely, XXXX XXXX
Product: Debt collection

I entered into a settlement agreement with this debt collector where i agreed to pay {$100.00} a month beginning XXXX till XXXX. After which i would discuss how much i could pay going forward. I authorized to have the payments automatically deducted from my checking account for the above period. The collector continued to take {$100.00} out of my bank for the months XXXX without my permission. The debt collector admitted to taking the funds without my permission and has threatened to seek a judgment for the remaining balance. What can i do.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX Account number : XXXX {$4200.00} As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft, which constantly entered my credit, and I see that they have put some accounts in my credit that do not belong to me. I want them to be removed because the information is incorrect. The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

Id like to take issue with BBVA bank on their over draft fee policies. On XXXX XXXX XXXX I had {$44.00} in my account, I made a purchase of {$10.00}. On the XXXX I had {$33.00} and made a purchase of {$10.00}. On XXXX/XXXX/XXXX I made a purchase of {$7.00} bringing my account to {$26.00} but had a pending transaction of {$62.00} which would bring my account to - {$35.00} and an added {$38.00} for overages. Logically the transactions would be processed in the order made regardless of my {$62.00} pending transaction however I was charged overdraft fees 4x. 

I spoke with a representative at BBVA in their disputes dept on XXXX/XXXX/XXXX at approx XXXX est, and they said that the account had the pending {$62.00} dollar charge and because my balance was less than {$62.00} I had $ XXXX in my account at the time the first transactions were made which means that I would be charged {$110.00} in overdraft fees. I believe that this bank deliberately reorders transactions in order to jack up overage fees!
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States of executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge further I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C 1001 Additionally these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All being investigated by the FTC.