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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$4900.00} ; XXXX XXXXXXXX Balance : {$6200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had several inquires on my credit file that are not mine, obviously they are fraud! I called the companies to have them removed with no results. I have also contacted the XXXX customer service dept and they keep telling me, they do not investigate these matters without a police report. I have tried calling the police where the inquires originated, unfortunately they say I need to be in their state to report this in person. I have seen my credit drop over 100 points because of this fraud action against me. I need some assistance at this point.
Product: Credit card

Capital One XXXX XXXX XXXX is XXXX XXXX XXXX XXXX. Total net revenue XXXX XXXX XXXX. Total deposits was XXXX XXXX XXXX XXXX. Loans held for investment is XXXX XXXX XXXX XXXX. There is a XXXX XXXX XXXX XXXX allowance for credit losses. Total cash and Cash equivalent is XXXX XXXX XXXX XXXX. There is a XXXX account for XXXX XXXX XXXX XXXX. 4TH QTR 2024 I applied for a Student Card ( Savor ). It said my income was too low. Capital One products ( cards, bank accounts ) are frequently recommended by other websites or banking tools for customers who credit is not superior. 
securitized debt obligation XXXX XXXX XXXX XXXX. 
Liquidity Fourth Quarter 2024 Highlights Average quarterly Liquidity Coverage Ratio of 155 % Occurred XXXX. XXXX got the email. I believe applied on same day or XXXX It didn't ask the amount of credit I wanted. I figured since it was a XXXX  ( and I am admitted to a college but not enrolled in classes ) Card that the credit line would be low enough but sufficient for my needs. 
Copied for AI Generated Response The average credit limit for the Capital One Savor Cash Rewards Credit Card is {$8500.00}, with {$1000.00} being the most common. However, credit card issuers may offer higher credit limits to applicants with excellent credit, high income, and low credit utilization.
Product: Mortgage

Amerihome received my XXXX mortgage. I have confirmation and receipts from both Amerihome and XXXX XXXX, who I bank with. My next mortgage payment was due XX/XX/XXXX. No late charges should be assessed as today is XX/XX/XXXX. According to Amerihome 's policy that is all over their website ... .payments received more than 16 days after the payment due date may require a late charge of {$36.00}. However, agai, the date today is XX/XX/XXXX, today so we are still not at the point to be assessed a late fee. Furthermore, when we logged in to pay XXXX 's mortgage, we see that Amerihome has charged us again for XXXX 's mortgage despite the fact that they received XXXX 's mortgage IN FULL. Repeated contact to the company to correct the issue has yielded no results. We will be moving forward with issuing formal complaints and investigations with this company.We want immediate correction of this issue right away. 
Now, we got a loan document talking about foreclosure when we are not delinquent on any payments. As of XX/XX/XXXX, we owe one payment XXXXfor XXXX only*. 

In conclusion, we have issued statements from XXXX XXXX confirming every single month we have paid Amerihome. There are confirmations of receipt also on Amerihone 's website.
Product: Credit card

On XX/XX/year> I made a payment to the company of XXXX However My interest charges was XXXX I later made another payment For XXXX And XXXX cent on XX/XX/XXXX And my interest rate was XXXX I later made another day on XX/XX/XXXX Of 2024 Again with a high interest rate charge XXXX XXXX  however It said that I only had XXXX payments behind But it never took any of the payments Off except for XXXX and the account is being said that I'm still XXXX payments past due after I've made XXXX payments the interest rates have continued to go up the current balance only went down once after XXXX payments keeping me in debt on top of the high interest rate they're also charging a past due fee a {$40.00} when the agreement that was made was that if I made XXXX payments of XXXX that it will bring my account up to current however Within 2 months I have paid {$700.00} and my my balance is still {$8800.00} from from XXXX
Product: Student loan

I have had multiple issues with XXXX XXXX and Navient. My loans have been at 16 % +. I have had to make multiple calls to try to get my interest rate reduced. I have been treated very poorly by XXXX XXXX and Navient. The staff there have made comments such as " Its a hard reality to have a student loan '', " maybe you should n't have went to school '', " we will not lower your interest rates, we do n't have that authority ''. There have been multiple other comments made by the company as well. 
When I was going to school there was not clear communication as to what was happening with my loans. I just went to an office on campus and signed some documents and was told everything was fine. When I graduated my initial bill was XXXX a month, I was unable to afford that payment. I had to call and was treated poorly by the company. This also continued as I tried to manage living and eating. I became behind in my payments related to surviving, however, did make some payment every month, I was called relentlessly and made to feel like I was the only person on earth not making payments. Again, I was at least making an effort to pay my loans. I am still paying on my student loans, and desperately need a XXXX XXXX XXXX in which I can not afford as I am still paying on my XXXX XXXX. I can not afford a mortgage payment related to the amount of student loans that I am paying a month. It seems as if there is no end in sight with paying off these loans related to the interest rates, and XXXXNavient has been of no help with having interest rates lowered to be able to pay off these student loans. 
I feel that I have been ripped off by this company when it comes to my student loan rates, and that they have made it impossible to be able to pay off my loans. I can also not consolidate my loans as they are private loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  " reviewed '' my credit report ( not by my request ) as a way to increase or decrease my available credit on my XXXX XXXX XXXX. This is the third time in less than two years that they have decreased my available credit. Each time they have relied on credit information that is not correct and have not been willing to correct the issue. I have attached the letter from XXXX showing their reasons for this third decrease, and also attached pages from my credit report ( using the same reporting agency that they used ) showing that their information is FALSE!!!! XXXX continues to discriminate against me by continuing to lower my payments to the amount of credit that is outstanding on my account. This makes it look like I have used my card to the limit ( which is what they say I am doing on other cards and the reason they decreased my limit on my XXXX card ) I am using 22 % of my available credit ( which is over {$15000.00} ). The reasons that XXXX provided on a letter lowering my credit report are not FACTUAL, and XXXX should remedy this IMMEDIATELY. It is because of XXXX XXXX  ( that finances XXXX ) that my credit is being denied as they continually lower the limit on my cards making it look as though I am charging to the limit. They are hurting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i checked my credit report and all my inquires were deleted, I logged in today and all the items have returned and my credit score went down.
Product: Vehicle loan or lease

I was a victim of a predatory auto loan- they collected {$4000.00} down payment- my car was totaled 4 months later and I was severely injured- my insurance and gap insurance should have covered it- When I finally went back to work they took my first paycheck in an un authorized automatic payment- I was almost evicted. 
They have since decimated my credit. 
They continue to increase my credit limit and charge late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor 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 alleged fraud or extortion XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX ; XXXXXXXX XXXX  Inquired on XX/XX/XXXX ; ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX CT XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$220.00}.
Product: Mortgage

Shell point is a new sever to this account ( XX/XX/XXXX ) they received it from XXXX. 
the foreclosure was started by XXXX before they sold the rights. 
So one of my issue is the Web site for clients ( my personal dashboard ) is incorrect it says am in bankruptcy and am not los mitigation for a loan modification status.yes I have spoken on this mislabel .if it stays like this am afraid the system will make my chances slim to non in getting a offer in time for a modified loan to correct the nonjudicial trustee sale in five weeks and if that sale happens am be totally homeless even if am offer a modified. 
I understand am not the only client with previous issues from their previous server and I honestly believe that shell point doesn't want a old woman of XXXX to suffer no more than i already have.. 
So I'm reaching out to you to help me bring attention to the problem at hand with the system that is still broken.and some of the documents I sent to them isn't being received even though I sent them serval times. 
My mortgage account isn't all my undoing and I have been communicating over and over again with all the servers but between the errors on the account and COVID-19 then a forbearance has left me with undue hardship that if given the chance to restart up paying on my mortgage account, it would be a fresh start and understanding, there would be no problems of failure.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been a victim of the dark web and the XXXX  data breach, in addition to losing my purse with all my personal information in it. My identity has been compromised beyond comprehension and that's not a good place nor feeling in such struggling times. I'm demanding that these accounts be removed and blocked from my credit data files. I've reported and requested information in regards to these accounts. Please remove the following accounts immediately. 

1 ) XXXX XXXX {$340.00} 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX {$1100.00} 4 ) XXXX XXXX XXXX {$61.00} 5 ) XXXX XXXX XXXX {$1.00} XXXX 6 ) XXXX XXXX {$120.00} 7 ) Chapter XXXX bankruptcy 8 ) XXXX XXXX XXXX XXXX   XXXX  9 ) XXXX XXXX XXXX 10 ) XXXX XXXX 11 ) XXXX XXXX XXXX 12 ) XXXX XXXX XXXX 13 ) Dept of ED/ XXXX {$56000.00} 14 ) Dept of ED/ XXXX {$31000.00} 15 ) XXXX  {$5500.00} 16 ) XXXX   {$5000.00} 17 ) Dept of ED/ XXXX {$3200.00} 18 ) Dept of ED/ XXXX {$4200.00} 19 , ) Dept of ED/ XXXX {$1000.00} 20 ) XXXX XXXX   {$4800.00} 21 ) XXXX XXXX XXXX XXXX {$2600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice is hereby given, that, I am consumer as the term is defined at Fair Debt Collection Practices Act and I have been unfairly, harassed, abused, XXXX by the deceptive practices of XXXX XXXX XXXXXXXX, a debt collector, herinafter wrongdoer by unconscionable means to collect a debt or attempt to collect a debt in violation of 15 U.S.C. 1692i ( b ) by deliberate abusive UNAUTHORIZED required notice deceptively addressed under FDCPA undefined term Mortgagor, instead of consumer per 15 U.S. Code 1692j as non-conforming to 15 U.S.C. 1692e ( 11 ) by the deceptive impersonation evidenced by attached document as 15 U.S.C. 1692e ( 5 ) The threat to take any action that can not legally be taken [ 15 USC 1692e ( 1 ) ( 3 ) ] or that is not intended to be taken ( by original creditor ) an abusive and deceptive act 15 U.S.C. 1692e ( 7 ) The implication that the consumer committed conduct in ( Judgement ) order to disgrace the consumer.

and therefore in violation 15 U.S. Code 1692e ( 9 ) by the use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. 
The wrongdoer has induced a XXXX which is abusive in furnishing my personal information without permission in violation of written instructions in breach of security, identity theft in violation of 15 U.S.C. 1692j ( a ).
Product: Checking or savings account

I requested a funds transfer to a different bank on XX/XX/year>. The funds initially showed up at XXXX XXXX  and I purchased stocks. However the funds where then rejected and clawed back and I was hit with fees and penalties from XXXX XXXX. I then tried transferring money to XXXX, it did not go through and I faced additional penalties. I then contacted Citi and they said there was a fraud hold on my account. So I contacted that department and they told me there is nothing they can do. They can not send me my money. Please help. I just want my money back.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XX/XX/XXXX XXXX following inquiry was not authorized and should not be reporting. 
XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my EQUIFAX credit report I noticed that there are several inaccuracies. Amongst these inaccuracies there are 4 credit inquires that I did not authorize, nor do I recognize. The following inquires are as listed along with the dates in which they occurred : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

the company didn't provide me with information and didn't fix the problem since XX/XX/24 I still have this problem on my credit report that's giving me a hardship still. I filed multiple dispute and still have the same problem 15 USC 1681i- procedure in case of dispute accuracy
Product: Debt collection

Upon review of my credit report I see a negative account report from a company named Uplift. I have attempted to reach this company via certified mail, asking for them to validate the debt as well as list it as DISPUTED on my credit report. The certified letter I mail was received by Uplift on XX/XX/2021. I have yet to receive a response from the company. They have NOT verified the debt and have NOT listed the account as disputed on my credit report. I have proof that the verification of debt request was received on XX/XX/2021 by Uplift and I have proof on my credit report it is not listed as disputed. They are in clear violation of the FCRA & FDCPA which protects consumers and allows us to request verification, and if none is provided within a 30 day time frame it must be removed from our credit report. I expect that this company will comply with the laws set forth and remove this item from my credit report in a timely fashion.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is not reporting my correct score with them and also with the other credit reporting agencies ( XXXX and XXXX  ). 
TransUnion has recently provided me with a credit report without providing me with my credit score. They ask for a charge to provide me with such information. 
I pay TransUnion monthly so I can have access to their website and I can monitor my credit score. 
Unfortunately, all the scores ( TransUnion, XXXX, XXXX ) online through the TransUnion site are wrong and not updated. 
Also, I had a derogatory issue in my credit, and it has been disputed and deleted by XXXX and it still appears as an Alert through the TransUnion Site.
Product: Credit card

Bank of America card with address and phone number not pertaining to me or authorized by me. The account in question was - XXXX ( with a racked up sum of {$4900.00} ) This info was provided by Bank of America.
Product: Credit card or prepaid card

I received a fraudulent charge on my chase freedom unlimited account for {$1400.00} on XX/XX/22 for XXXX. I disputed this charge but it was reinstated as XXXX XXXX is claiming this was a legitimate charge. On XX/XX/22 I received a text from chase for fraudulent charge alert for XXXX for {$1300.00}. This notes an additional fraudulent attempt on the same site which chase recognizes as a fraudulent charge, however they are claiming the first charge as being legitimate. 

I did not make these purchases, and as a matter of fact I do not use XXXX. Ive never received the product that was purchased. Please help me. And thank you for your time.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed incorrect information. I am writing to delete the following items from my credit report as they are fraudulent and a result of identity theft. The items listed below were not initiated by me at any given point and are NOT MINE so please delete the following items off of my credit report, as I am providing you with my identity theft report which is an official statement of the crime. I am also providing you with my social security card and proof of address for your verification purposes. I AM AWARE OF MY RIGHTS UNDER section 605b of the fair credit reporting act that this fraudulent information must be removed from my credit report after providing the necessary information that is required along with this letter. THIS REQUEST IS TIME SENSITIVE, TIME CRUCIAL AND TIME CRITICAL THAT these items be removed off my credit report effective immediately as the items listed below are inaccurate and it is illegal to report inaccuracies to a consumer credit report. Please be sure to send me the results of this request. Thank you. 

Account Name : XXXX XXXX XXXX Account Opened : XXXX XXXX Account Balance : XXXX $ Account Name : XXXX XXXX XXXX Account Opened : XXXX XXXX Account Balance : XXXX $ Account Name : XXXX XXXX XXXX Account Opened : XXXX XXXX Account Balance : XXXX $ Account Name : XXXX XXXX XXXX Account Opened : XXXX XXXX Account Balance : XXXX $ Account Name : XXXX XXXX XXXX XXXX Account Opened : XXXX XXXX Account Balance : XXXX $
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ( FCRA ) ; XXXX XXXX has violated my rights. On XX/XX/2022 there was an unauthorized inquiry. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 

15 U.S.C. 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

We deposited a mobile deposit check on XX/XX/22 for XXXX from a magistrate on XX/XX/22 it was taken out of my account from Wells Fargo stating it was a duplicate deposit with XXXX  XXXX I contacted XXXX  XXXX and it did not process because it was already cashed through Wells Fargo Ive done XXXX disputes and they continue to close them I want my money back the magistrate confirmed Wells Fargo did indeed cash this and they have the money