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

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of this year, I found out that my identity had been stolen. I checked my credit report and there were several closed student loans on my credit report. In total, there were 4 accounts all opened fraudulently using my identity. 

I alerted each credit bureau that my identity had been stolen by sending a letter, filing a FTC complaint, sending an FTC affidavit and filing a police report and requested that they remove the accounts. It is my understanding that victims of identity theft are to have fraudulent accounts blocked from their credit report within 4 days of receiving that notification but they refused to do so and declined to give an explanation as to why they would not do so. They stated that all of the accounts had been verified as mine. 

I reached out to the creditor directly and requested that they provide proof that the account is mine by showing a physical contract with my signature and show what method they used to verify that the debt is mine. Instead of doing so, they sent a follow up letter plainly stating that the account was verified. 

Lastly, I sent a of Notice to Furnishers of Information showing that they can only report accurate information and that they are in violation of the FCRA because they have received word from all three credit bureaus that my identity was stolen but they have failed to take any action whatsoever.
Product: Debt collection

I set up automatic payments with Ability Recovery Service ( XXXX ) that was to begin XX/XX/XXXX and {$50.00} XXXX payments were supposed to come out automatically. The company however decided to take the payments out on days that were not authorized. The first payment was taken out of my account on XX/XX/XXXX however, the next payment were taken out XX/XX/XXXX XXXX, XX/XX/XXXX XXXX. When I called the company to inquiry why the payments were taken out on these dates and not the dates that were authorized, the representative called me a liar and begin to yell at me. when i asked to speak with a supervisor, the supervisor stated they will take the information and look into it but the issue at hand is repaying the debt and begin to pressure me to discuss repayment. The supervisor completely disregarded the issue and my complaint. I asked the company to stop all auto payments and submitted a complaint to the attorney general. By running payments on dates that were not authorized this company did not comply with the XXXX law nor did they care to fix the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the lawXXXX XXXX CO XXXX Balance : {$190.00} XXXX XXXX Balance : {$140.00} XXXX XXXX Balance : {$170.00} XXXX XXXX Balance : {$100.00} XXXX XXXX Balance : {$130.00} XXXX XXXX Balance : {$89.00} XXXX XXXX Balance : {$160.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$310.00} XXXX XXXX CO ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. Despite the multiple previous written requests, the items listed below still remain on my credit report in violation of Federal Law. Experian failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE ACCOUNTS BELOW : ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The complaint is about the XXXX XXXX XXXX account reporting as an individual account when it shouldve been reported as authorized user because it was a corporate account. It is still being reported falsely. Its also being reported as in collections/charged off with a current late payment history which is also false reporting. This account should be deleted immediately.
Product: Debt collection

XXXX XXXX confirmed XXXX balance. I did not call the GLA company as I did not grant permission for my personal or private information to be shared. Please remove this from my report as Im seeking to purchase a home soon and I monitor my credit consistently ans this is impacting my score and options.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not resolved any of the Identity theft that is still occuring on my credit report, I have contacted Experian Numerous times, and have sent in my Identity Theft Affidavit which is signed under Perjury. I do not have an Account with XXXX XXXX, They have already advised me the address they mailed the card to was XXXX XXXX XXXX, XXXX TX XXXX. Which is not my address, has never been my address. I have not lived there. I never received the card for this account, These accounts both for XXXX XXXX are identity Fraud. These were opened from a thief and used by a thief, I did not authorize these accounts to be opened, and I did not authorize the company to change the account number and resubmit it either. I am not liable for fraudulent debt, I am a victim of Identity Theft and these two accounts were opened from a thief and Experian refuses to investigate, Siding with XXXX because that's their Vendor. One was opened XX/XX/XXXX, and one was opened in XX/XX/XXXX. I received no calls to clear the Extended Fraud Alert on my credit file which specifically states I must be called. I did not authorize these accounts to be opened, and I do not do business with these merchants. Additionally, Experian is allowing a fraudulent inquiry on XX/XX/XXXX for a XXXX XXXX, Which I did not authorize this inquiry is also fraudulent. Again Experian doesn't allow me to call in. I have advised them via mail, and upload numerous times about the theft, and they refuse to investigate. 

Lastly Experian has a name on my profile under XXXX XXXX XXXX, That isn't my name and they won't allow me to dispute that either. 
Also the XXXX XXXX Credit card was stolen, and used for fraudulent transactions which is why the balance is showing as {$27000.00} this is not accurate. 
This is Identity Fraud, and These Two Accounts should be blocked, as I have stated the truth and swore it under perjury.
Product: Mortgage

Residential Credit Solutions wants me to pay {$1200.00} in attorney ; s fees that I do not owe them. Our account is current and we do not owe them anything. Please read the information attached and it will explain everything.
Product: Debt collection

I ask them to send proof documents of my Ownership if not please remove from credit report I never received a response
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report with Equifax shows multiple invalid account that are causing detriment to my score. My report is showing XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX ) as charged off. That information is invalid. My report also shows XXXX XXXX, and XXXX  XXXX ( Reported XXXX on my report dated XX/XX/XXXX, XXXX and XX/XX/XXXX ) as Hard Inquiries. I have never interacted with any of these companies listed which means this information Is invalid. I have requested for Equifax to remove these invalid accounts or validate them. However, I have not gotten a response or action from XXXX.
Product: Student loan

I just called Navient today, XXXX/XXXX/17 to see if there was a way to lower my monthly payment as I am in XXXX. I was told the pay as you earn could lower my payment and still qualifies for Public Service Loan Forgiveness, repeatedly. I did some research online and called back to make the change to the new payment plan. A different operator said I was given bad information that my loans do not qualify for the payment plan and in fact most of my loans do n't qualify for public service loan forgiveness. In tears I hung up with the operator. I have been paying on my loans for about 4 years and have never been told my loans do n't qualify for PSLF. In fact, I have asked and been told they do. I have had numerous conversations with Navient about PSLF regarding loan qualification, qualifying non profits, breaks in payment, details on filling out the PSLF form, etc and they have never told me my loans do not qualify for PSLF until today. For my loans to qualify now I would have to consolidate them but it will start my 120 payments over from the beginning. Nobody ever told me this and I asked about it repeatedly over the years. I am waiting on a report from the third person I spoke with today, but I have paid well over {$9000.00} and they now tell me very little of it will count towards Public service loan forgiveness. I am not even sure what type of loans I have now but only XXXX small ones are direct federal loans.
Product: Credit card or prepaid card

I have now contacted capital one 4x to close my company 's credit card account. I contacted them in  XX/XX/XXXX  after our balance was paid in full. I contacted them again in  XX/XX/XXXX  and  XX/XX/XXXX  after the account was still showing open. They are now charging us yearly membership fees, interest and late fees and refuse to close our account.
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This card has NOT been used since  XX/XX/XXXX , balance was paid in full and we asked account to be closed.
Product: Credit reporting or other personal consumer reports

Under FCRA, the same debt is not allowed to be collected from two companies. XXXX XXXX XXXX XXXX ( XXXX ) is in violation of FCRA by reporting a balance due and collection status although they sold the debt in XX/XX/2024. 
Due to their violation of FCRA, I request that you immediately and permanently remove this account from my credit report.
Product: Vehicle loan or lease

On XX/XX/XXXX while I was driving w/ my XXXX son in the car the breaks to my XXXX XXXX XXXX failed. The car was able to be safely slowed to a stop. The car was towed to the dealership. The dealership stated that volvo

remotely installed a software update that was glitched which caused the breaks to fail while driving. I have requested that the company let me out of my lease due to my safety concerns w/ this vehicle and they have only stated they will give me a month off my lease.

Previous software issues include screen going black on multiple occasions. Safety alerts turning on when there is no safety issue is at hand. Air conditioner not turning on in 115 degree heat.
Product: Payday loan, title loan, or personal loan

Per Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the late payment listed on the following account with original signatures, no photo copies. 

Due to having identity theft, I'm requesting that all interactions and correspondence be done through postal mail and not through phone calls and email. My identity and finances have been compromised and I can not have any communication through phone calls or email. I have police reports showing that I have been compromised in my bank account and in my credit.
Product: Debt collection

As of XXXX XXXX/XXXX/16, they have called me 4 times today, twice yesterday, once the day before.
Product: Checking or savings account

I had over {$900.00} of unauthorized charges on my Chase Checking account. And they have denied my dispute 4 times since XXXX. They claim I authorized the transactions when I did not. They broke Reg E rules and the person who committed fraud even admitted that they did so on my account. I provided the email transcripts to chase but they continued to deny and close my claims. They have constantly given false promises of timeframes, callbacks and escalations. Theyve basically called me a liar when Ive already proven several times otherwise. My account has been highly overdrawn for months and this has caused extreme financial hardship and taken a serious toll on my mental health. I already suffer XXXX and XX/XX/XXXX but this has caused extreme financial a lot of distress.
Product: Mortgage

My name is XXXX XXXX, I have a property with Wells Fargo that I purchased with my I.T.I.N number and currently have a short sale offer for. In the past I applied many times for a loan modification but Wells Fargo never granted a modification ; Wells Fargo stated I was not eligible due to social security not matching, so continued to foreclose against me. How is it Wells Fargo allows me to purchase the property but will not allow me a work out option due to my I.T.I.N not matching? 
I decided to list my property for a short sale instead of having to go through a foreclosure. Once a submitted an offer, Wells Fargo suspended foreclosure against me on XX/XX/XXXX. In the final stages of the short sale review, XX/XX/XXXX, I was informed that the short sale buyer needed to submit bank statements to Wells Fargo by Sunday XX/XX/XXXX and Tuesday, XX/XX/XXXX, XXXX XXXX. I contacted him and he was out of town the rest of that weekend until XX/XX/XXXX. Then I contacted Wells Fargo, per XXXX ID # XXXX, I asked him if they would give us more time since the realtors office was closed ; he said to fax them in soon as possible. 
On XX/XX/XXXX the bank statements were faxed. The next day I called Wells Fargo to follow up and they told me the file was closed. When I asked why they said because they received the bank statements on XX/XX/XXXX instead of due date XX/XX/XXXX, XXXX XXXX. 
I pleaded with them and they still refused to continue the review for short sale. Shortly after my home was sold the same day I filed bankruptcy CH XXXX. 
For several months I worked on getting my home back from Wells Fargo, until finally I was granted on XX/XX/XXXX to stay in my home and work towards that short sale. I called Wells Fargo, customer care recovery, to start the process again but I was told it would take until XX/XX/XXXX for them to have an update on the rescission. I attached a letter with the same update. 
On XX/XX/XXXX, I sent the new short sale cash offer for review, I also attached to this letter for proof. On XX/XX/XXXX, I called Wells Fargo for an update on the short sale review, per XXXX ID # : XXXX, informed me that a letter was sent with stating documents were needed to continue the short sale review. I requested the letter to be emailed to my realtor but what we received were no way near asking for documents ( attached proof ). 
On XX/XX/XXXX I was informed by XXXX ID # : XXXX that I had a scheduled auction sale date for XX/XX/XXXX. 
On XX/XX/XXXX per XXXX, did not see any new notes on short sale review then she transferred to the re-entry team, per XXXX he said I was not eligible for a short sale review due to the sale date being so close! I do not understand why my file would be ignored if they had the short sale offer since XX/XX/XXXX.
Product: Debt collection

SOUTHWEST CREDIT SYSTEMS LP has issued a collections to all XXXX credit reporting agencies. I called and when I called they said it was a bill from XXXX XXXX XXXX - this is not possible as I have been a XXXX year client of XXXX XXXX XXXX in good standing. When I asked for more specific information I was passed to XXXX different people - all of whom said it was a XXXX XXXX XXXX bill. When I had said this was not possible and they needed to remove it from my credit report I was told " We understand, but we ca n't do that '' - I insisted they could. I was passed up the food chain and was told the same thing - on the XXXX person I was then told that this was not a XXXX bill, but rather a XXXX bill from over XXXX years ago. I left XXXX years and years and years ago and said I had no bill and could they show me the bill and why were they saying XXXX XXXX XXXX? I then was told that this was fraud and they would sent a packet in the mail - the packet insist I file a police report and supply a substantial amount of documentation. This is all very much not above board - I was given wrong information, given improper information on my rights, they do n't have a bill - How can I file a police report from a bill from over 5 years ago of which no one can get me a copy of said bill? Also, no answer has been given about the XXXX XXXX XXXX bill which is what XXXX of their agents told me prior - lastly, saying " we ca n't do anything on the credit report '' - when they issued it, do n't know what outstanding bill there may or may not be - is very troubling. Only because I knew my rights was this issue escalated and even now - they have no bill and no information.
Product: Mortgage

Talked to XXXX XXXX XXXX XXXX XXXX at Quicken loans who is supposedly a senior mortgage banker about getting a mortgage. I told him I wanted to be able to pay the mortgage off quickly with no penalties. He told me that when most banks sell mortgages to other banks, the new bank can change the terms, including charging huge fees if you pay it off early but that Quicken does n't do that. I said I do n't believe that is true and that I did n't want to do business with a person who lies. I just think it was unethical and he should be reprimanded in some way.
Product: Mortgage

I purchased my home in XXXX and my loan was with Bank of America. I am in the process of selling my home and I found out a month before it was listed that my mortgage was sold to XXXX XXXX XXXX in XXXX of XXXX. Bank of America continued collecting my payments until XX/XX/XXXX and now XXXX XXXX XXXX is claiming that my loan is in default and threatening to foreclose. My house was supposed to close on XX/XX/XXXX. They are trying to charge me the back payments, penalties, and interest. I would need to bring XXXX to sell a house I purchased 13 years ago. Please help me as soon as possible.
Product: Money transfer, virtual currency, or money service

I'm XXXX XXXX. I got our tax refund back. I looked for a XXXX and it led me to Chime. With 0.5 % interest, it sounds intriguing. 

I opened a Chime account, transferred {$8400.00} ( stupid of me to transfer so much at once ) from our main Bank at XXXX. I got an email from Chime two days later saying my account had been suspended. On Tuesday, XX/XX/XXXX, they asked for Gov't ID, source of fund, explanation of the purpose of transfer. I replied immediately with all of those documents including the screenshot from my main banking app with XXXX stating clearly that the source of the fund is tax refund and the purpose of transfer which is to build savings, it even stated IRS Tax refund so it's super clear. 

On the XXXX XXXX, I got a response back asking for the the back of my Driver 's License and, AGAIN I got asked for the purpose and source of fund. This is when I started to worry as I have previously sufficiently provided all the necessary documents and seriously wondered what happened during the review/ investigation on Chime 's end. I followed up with Chime again. AGAIN, I was asked for the purpose of the transfer, a second government ID, and source of income, they specifically mentioned unemployment check. This is when I got really angry and worried. They have gone totally off rail, asking for new documents without any verification or receipts of what documents they have received from us and are asking irrelevant documents like unemployment benefits ( me and my husband are working and have NEVER received any unemployment ). 

I have been on the phone with them everyday since Thursday, XX/XX/XXXX for at least XXXX hours a day without any concrete answer on why my account was suspended. With bank 's compliance and transparency, they should be able to tell you what they have received and why they are suspending the account. None of that happened here. That's transparency and I have seen NONE of that. All they could was apologize and escalate it to the next level. And ending up asking me to send documents that I have already sent. 

My husband is halfway through XXXX XXXX and is trying to find similar cases to compare to this and we are gathering all the people whose account have been suspended by Chime without any explanation, who went through the same thing and we are looking into class lawsuit. We found out that there has been numerous complaints to the State Delaware where Chime is incorporated and the FDIC. During the search, we found out Chime had closed or suspended many people 's account without any explanation. I felt so wrong to put my household in this predicament. And now our almost $ XXXX is nowhere to be found. 

My objective is to get our money back safely as soon as possible. There needs to be more transparency on online banks like these. There has to be legislation that guides this.
Product: Credit reporting or other personal consumer reports

This is my fourth XXXX to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$460.00} XXXX XXXXXXXX Balance : {$5300.00} XXXX XXXX Balance : {$0.00}.
Product: Debt collection

COLLECTORS KEEP TRYING TO COLLECT A DEBT PAY IN FULL, STATUES OF LIMITATIONS HAS EXPIRED. ALSO, CALLING MY WORK, CELL HOME AND SKIP TRACING ABROAD IN VIOLATION OF FDCPA, TCPA FCRA ETC..XXXX..