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

I am a victim of identity theft. A criminal has used my social security number to apply for and obtain credit lines with multiple different lenders.. There are numerous fraudulent credit inquiries that are unauthorized reporting to my TRANSUNION credit reporting agency as well as fraudulent credit card accounts. These items are unauthorized. I have filed a XXXX XXXX Police report and submitted a Federal Trade Commission Identity Theft. 

I have submitted a fraud investigation request to TRANSUNION, however they are unwilling to dispute and remove the fraudulent inquiries that are listed below. 

Fraudulent Accounts XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I received a XXXX letters stating that I owe an enormous amount of money for an account that I never Authorized. There are XXXX collection accounts on my credit report from XXXX XXXX XXXX XXXX XXXX.
Product: Student loan

Navient XXXX Student Loan. 
Name : XXXX XXXX, XXXX, CA XXXX email : XXXX Phone : XXXX Synopsis : my student loan originated through XXXX as recommended by my college and I received a XXXX student loan for XXXX amounts : DATE : XX/XX/XXXX {$41000.00} DATE : XX/XX/XXXX {$8200.00} TOTAL LOAN {$49000.00} I was enrolled at The XXXX in La Jolla, CA which offers a XXXX in design with a 4 year program. As I was also working at the time, it took me several years to graduate. I was at the time living at my address above. 
During the period of XX/XX/XXXX through the present I married in XX/XX/XXXX, had a child in XX/XX/XXXX. During the period from XX/XX/XXXX to the present my husband took hundreds of dollars and maxed out my credit cards, in addition to re-financing my house without my knowledge. The child and I suffered much abuse and confinement from my spouse and I was secretly moved to a safe house in XX/XX/XXXX where I lived for many months. In the meantime I filed for divorce in XX/XX/XXXX and custody of my child as we had been confined to the house without hot water or gas to cook and wash, as well as other conditions. 
In the mean time I was attending school and working with my parents taking my son until late XX/XX/XXXX when they moved to XXXX. 
I have been continually harrassed by Navient throughout the period following my graduation and until the present. I have been threatened almost daily this year with Default and was forced into Forbearance in XX/XX/XXXX. I had been making loan payments whenever I could. In XX/XX/XXXX-XX/XX/XXXX I filed for bankruptsy as my former spouse had used my savings and salary for his own disposal, including gambling in the stock market and losing hundreds of XXXX dollars. 
As of Today, XX/XX/XXXX I am employed and Also have a 24 month old daughter. I am XXXX of XXXX and still suffering to make ends meet. 
The Navient Harrassement which is constant has now threatened me with Wage Garnishment of 25 % beginning on XX/XX/XXXX unless I pay nearly {$10000.00}. by that date. I do not have any financial resources to accomplish this payment and fear the worst. 
My current loan balance with interest is to date at {$79000.00}. 
I am writing to ask if I have any recource with the current lawsuit filed by the CPFB against NAVIENT. 
Kind regards, XXXX
Product: Credit card

Late in XXXX  I filed a dispute with my credit card company, Chase, for the amount of {$780.00} the funds were posted back to my credit card account. A couple of weeks later the merchant and I came to an agreement. I notified Chase that I resolved the issue with the merchant, and they were to send the funds to the merchant, and when the merchant received the funds, they were going to settle with me through the normal course. The merchant never received the funds. I have attached an email chain with attachments. One attachment is from the merchants credit card processing company showing that they never accepted the funds, the other attachment is from the merchants bank stating that the merchants account was never credited the {$780.00}. 
Chase has been extremely difficult to deal with to resolve this issue. I have requested for over one year tracking information and they just recently provided it, which I then provided to the merchant, and they provided to their credit card processing company. 
At this point, Chase doesnt want to discuss resolving this issue with me. I am trying to collect my {$780.00} from Chase. I have been a long-term customer of theirs.
Product: Credit card

I keep receiving statements in the amount of {$10000.00} on an American Express for which I have never had or applied for. It is showing on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below to continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I called each credit bureau and requested my credit report updated with correct information. The personal information has not been updated and my credit report continues to reflect incorrect information.     The only address that my credit report should reflect is :   XXXX   XXXX   XXXX   XXXX   XXXX  , IL  XXXX
Product: Mortgage

We were unable to close because the lender refused to accept hand-written corrections to the XXXX XXXX application and the loan officer refused to correct the information in their system. In addition, we were told that if we refused to sign the blank continuation sheet we would not receive funding. Fannie Mae 's own website as well as countless other agencies specifically warns consumers against signing blank forms. We had expressed concern about these issues well before closing and no corrections were made. At closing, we corrected the errors on the Form XXXX by hand and drew a line across the blank page. The lender rejected the application form. We asked the loan officer who could correct these issues and we were told no one. The loan officer refused to release the funds out of escrow because we would not sign the forms containing incorrect financial information. 
We are retaining our current home with the intent of using it as a future rental. It has never had a mortgage or other lien. First, our current home was incorrectly listed as having a lien under the liabilities portion of Sec XXXX and having a value of more than twice its assessed value under the asset column. Fannie Mae 's own instructions state to list real property expenses under Sec XXXX in the " present '' column with appropriate line items for taxes and hazard insurance. Second, in Sec XXXX of the XXXX, the loan officer is insisting on listing our annual property tax and insurance expense as a mortgage liability when in fact it is not. A specific box for this expense does exist on the table. There are no current unpaid balances for property taxes or hazard insurance. Finally, page XXXX of XXXX of the URLA XXXX is a continuation page to be " used if necessary ''. While we understand that it is part of the application requiring signatures, it is absolutely unacceptable to expect an individual to sign a blank document. Surely, this is not the intent of the continuation page. A disclaimer such as, " No Additional Information Included '' or something to prevent additions after the fact should be allowed.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am reaching out to request your assistance in addressing an ongoing issue of inaccurate information reported on my credit report by the three major credit bureaus. Despite my efforts to resolve this matter directly with them, they continue to report a bankruptcy inaccurately, which I believe constitutes a violation of the Fair Credit Reporting Act. 

Recently, I contacted the bankruptcy court to inquire about the source of the information, as I suspected that the reporting was not based on any official communication. In response, the U.S. Court informed me that they do not provide any reporting to credit agencies. This confirmation indicates that the credit bureaus have been inaccurately reporting my bankruptcy status without verification, despite their claims that an investigation was conducted. It is apparent that the investigation they referenced was either insufficient or never actually occurred, leading me to believe that they have provided me with misleading information. 

Given this, I am requesting that the Consumer Financial Protection Bureau intervene to ensure that the credit bureaus immediately remove the erroneous bankruptcy information from my credit report. This incorrect reporting is causing significant harm to my creditworthiness and has impacted my financial well-being. 

Thank you very much for your time and attention to this matter. I am hopeful that, with your help, we can resolve this issue promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

Went to XXXX to check credit card offers so I can get a card with intro rate of 0 % for specific period as one card is coming to an end and I still have a {$600.00} plus bal. On my XXXX account it matched me to several credit card offers and I chose XXXX XXXX XXXX XXXX XXXX XXXX card. I applied and created an account online. I tried to log into said account to expedite a balance transfer but was unable to log on to my newly created account. After several attempts online I called the XXXX XXXX number associated with the card ( XXXX ) XXXX. From there i had to enter my personal information and I found out that my account had been sold to a debt collector. 'Resurgent ' ; to which I was " transferred '' or would be transferred but I was asked for my social security number again. I did NOT enter it at that time and I hung up. My credit score is XXXX when I checked it after logging onto XXXX and it went down three points with the XXXX XXXX credit check. However this 'debt ' that I DO NOT HAVE i fear will disrupt my credit rating. I used to have an account with XXXX XXXX over a decade ago which was discharged though a bankruptcy back then. So I didn't think this sort of thing could happen when there is no real debt. This all happened today XXXX XX/XX/2023 around XXXX XXXX so some of the info I had to provide through your site didn't quite match with the problem I am experiencing and don't know what will happen now. One minute I get approved for a card and then I can't log on to my brand new account and then I find my account had been sold to a debt collector when there shouldn't be any debt. This is where I am at. Can you help me.
Product: Credit reporting or other personal consumer reports

I have a debt listed twice on my credit report. It's under the original creditor and the collection agency it was sold to. Both still have a balance. The original creditor balance is supposed to be {$0.00} but it still shows the same balance. I submitted multiple disputes with both XXXX and TransUnion. I think the practice of relying on computers is preventing this from being fixed. They think I'm disputing the debt but I'm not. I'm disputing the balance of the original creditor. 
Both the original creditor and the collection can't both have a balance, I can only owe XXXX of them.
Product: Money transfer, virtual currency, or money service

I was scammed by a XXXX XXXX XXXX XXXX XXXX, they posed as this regulated company and ended up scamming me out of XXXX USD. JPMorgan Chase Bank was the institutions from which i sent my money to the Fraudsters, Chase bank did not at one point warn me against them nor even respond to my complaints, they are completely ignoring me.
Product: Credit card or prepaid card

My company changed our regular pady from Thursday XXXX to Wednesday XXXX. I have confirmed with my company they they submitted direct deposits on XXXX/XXXX/17 to allow for this change. My direct deposit is split between a credit union checking account and my pre-paid card. My credit union deposit hit the night before like it normally does and balance made available. However the pre-paid card deposit did not hit the night before like it normally did. I called the pre-paid card customer service at XXXX MT to see what the problem was. I was told to give it until XXXX " east coast time ''. I did so, and at XXXX checked my balance, no funds so I call back. This time, I 'm on hold at least 30 minutes and they now say it 's delayed due to the holiday ( tomorrow, XXXX ) and to give them another 4 hours. I had no reason to think my direct deposit would not hit on time, and now my family and I are traveling out of town with no money, praying that they correct whatever issues they are having. I have no recourse because my company has paid me. I am at thier mercy.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting numerous discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that covering lost funds was impossible and that tracking these transactions was unfeasible. The CFBPs findings indicate that Zelle has not only neglected to protect customers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.
Product: Checking or savings account

I have a checking account with TD bank. And the funds were low. There is a XXXX dollar minimum balance before TD bank charges fees to account. This resulted in a overdraft. Apparently my account was in a overdraft state long enough for them to decide to close my account. 

However this decision to close my account was was not made be flore I submitted a significant deposit into my account via international bank transfer. The money showed up in the account and I have the receipt for it. TD bank has now closed my account today and took my money with it.
Product: Credit card or prepaid card

I stopped to refill a rental car at a gas station near XXXX XXXX, XXXX on XXXX XXXX, XXXX. The rental car is a XXXX XXXX XXXX ( XXXX ) with a tank capacity of 12.2 gallons ( contract is attached ). I filled a few liters of gas and the amount was about XXXX MXN peso. The attendant claimed the machine wasn't working and took it away. They then brought it back and said it went through. I did not have a receipt. When I checked my credit card statement, I saw a charge of {$100.00} USD. 

I immediately filed a dispute with my credit card company ( Chase ). The merchant provided a signed receipt that showed someone else 's signature. The signature does not match my signature ( as shown in my attached ID documents ) and I can confirm that this is not my signature. 

Chase dispute resolution transferred my case over to Chase fraud, who accepted it as a fraud case because of a forged signature. After investigating they said it was not a fraud case and needed to go back to disputes. It has been over 4 months of ongoing calls and I have spoken to them many times, and it keeps bouncing between fraud and disputes. No one at Chase is taking ownership of the case and they have said I am liable for this transaction, even though I did not authorize the transaction and the signature is clearly fake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted information showning that there has been false reporting on all three credit unions. They ignored faire credit report act, faire credit billing act and Texas credit law section. I've asked for of debit under 15 USC 1681 e ( b ) and 15 USC 1681 i of false reporting not 100 % accurate information. Section 16.004 of the Texas Civil Practice and Remedies Code. The statute of limitations on debt in Texas is four years. They have ignored my fair credit reporting act, Section 609 ( a ) ( 1 ) ( A ) by federal law to, verify, through the physical verification of the original signed contract, any and all accounts that you post on a credit report. Anyone paying for reporting services could fax, mail, or email fraudulent account. They failed to send back any physical proof of debit or validation of debit. All three bureas have failed to comply to my request.
Product: Debt collection

I received a call from ( XXXX ) XXXX. The rep claimed to be attempting to collect a debt for XXXX XXXX. She gave me the information that the account was opened in XXXX 

The statute of limitations of debt in Texas is four years, which means thats how much time a debt collector has to file a lawsuit to recover the debt. Debt buyers must provide written notice if they are taking action past the limitations period. They may continue to call, but they cant actually take you to court after four years. 

This is NOT my debt. This call is a SCAM.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a147.3K open end consumer credit plan as late for a purpose.

Please remove before this is illegal and I feel my rights have been violated.
Product: Mortgage

I was in the COVID 19 forebearance plan during the Covid times This lender placed me into FORECLOSURE when I was under COVID 19 plan and charged me numerous fees.

I want these fees reversed and deleted from my mortgage
Product: Debt collection

On XX/XX/2018 Navy Federal applied an adjustment subtracting {$780.00} from my checking account without my approval or communications. This account is used to receive my VA XXXX XXXX XXXX funds that are deposited every month. I called after realizing this deduction at XXXXXXXX XXXX EST and was told that even though it was done internally, they refused to correct the issue.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements + under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 28 financial loss, and I seek appropriate redress financially