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

There have been a ton of multiple unauthorized access to applying to numerous credit cards hard hits on my social security number. Ive been a victim of identity theft and I had fraud claim through IRS in which I was a victim of too. I hired XXXX XXXX XXXX to clean the mess up in XX/XX/XXXX and got my credit back on track score was XXXX in XX/XX/XXXX now it is XX/XX/XXXX its XXXX All because someone keeps applying for credit cards in my name. Ive tried to get my credit report from XXXX and Ive sent them all the documents necessary to by law and never received them. Equifax was hacked my number was involved with millions consumers. Ive even waisted my money on there website to see my report they have locked it. I have every legal right to see my consumer finance profile and it is being illegally with held from me. I want something done about these hard hit inquiries removed points back on my credit report especially when I did not authorize I have FREEZE for fraud against me.
Product: Checking or savings account

I filed a dispute with my bank TD bank. They denied my first dispute within 24 hours even with a police report and then i had to open a new claim again about 4 more times with the police report that clearly states my phone was stolen along with my wallet and pin that was in my notes in my phone, updated and supplemental information added to police report that was sent to them. I sent them a copy of the new phone purchase and the fact that I am a victim of theft. The transactions in question are fraud and I want them to do their job and please investigate the transactions throughly. They still have not issued a provisional credit with all the proof I sent them. As stated by TD and Visa that I am not liable for unauthorized /fraudulent activity that occurs on my account. They closed my dispute 4 times already without truly investigating because it was closes within less then 10 days. Here are the new claim numbers and thet only issued temporary credits for one claim when in fact all 3 claims are a result or the same fraud that happened to meXXXX XXXX XXXX XXXX XXXX XXXX - this one has been credited but the other two below have not and needs to be as this is truly unfair. {XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My life has been turned upside down because of this and TD bank and I have a family to look after. Please!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has ignored my request to provide me with the physical documents that their company has on file that was used to verify the accounts I disputed i  n my file. Due to the fact that they have past the 30 day mark and can not provide documentation for verification of these accounts, under Secton 611 ( 5 ) ( A ) of the FCRA - they are required to '' ... promptly delete all information which can not be verified, '' that I have disputed. Please resolve this matter as soon as possible.
Thank You
Product: Checking or savings account

I called into U.S Bank on XX/XX/ and due to suspicious activity that I wasn't given details on, they decided to close my U.S Bank Checking Account and send me a closing packet which includes {$1500.00} of money that I deposited with them. They were very rude, and no reason was given, and I told them I would not be using their services in the future due to the situation being handled so poorly, I just want my money back. I am filing this complaint on XX/XX/ and still have not received the closing packet with the {$1500.00}. Please help me get this resolved, as this is very frustrating and I just want my money back, and no longer want to do any business with U.S Bank.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has been repeatedly reporting a close account each month since 2019 till now this Creditor repeatedly updated a CHARGE OFF
Product: Credit reporting or other personal consumer reports

I opened a dispute with Experian in early XXXX. In order to complete the dispute, I needed to create an online account. There was no indication on the page that I was signing up for a paid account. However, on XX/XX/year>, Experian charged my credit card {$24.00} for a " monthly membership subscription '' for which I did not sign up. I immediately sent a message through their customer service disputing the charge. I will dispute the charge with my credit card company if and when it posts to my account. I never signed up for a monthly subscription. The only button I clicked on the Experian website was to create my account, and only so that I could receive my free credit report. I am not sure if CFBP has jurisdiction to get my money back but I wanted to report that this company for this conduct.
Product: Credit card or prepaid card

I received a letter datedXX/XX/XXXX from Chase that I have issues with. The letter stated that they immediately sent me a text when there was suspicious activity on my account. That message did not reach me because my carrier rejected it. I did contact Chase on XX/XX/XXXX about this issue. Chase incorrectly stated that they recommend that I update my mobile consent and link my cell phone. This is a false statement by Chase. This was NEVER conveyed to me. Additionally, the statement said I would need to do this to minimize the delay and immediately clear up issues on my account. 
Chase has my phone number. They attempted to text me so why not call me? The number is on file. If there is suspicious activity, should n't Chase want this clear as soon possible and want to get in touch with the account holder? Why not call? Chase also has my email address. Why not send an email? Chase also has a secure message center. Why not put a message in the secure message center about this issue? Chase is be disingenuous about this issue and not taking responsibility for their lack of customer service. 
Finally, Chase state that " as a courtesy '' they issued me XXXX point to cover the 3 % cashback on this transaction. Again, this is a mistreatment. This is not a courtesy adjustment. This is an adjustment to fix an issue that Chase caused. I do n't understand why Chase can not take responsibility for a problem they caused. Please update this on my account record for Chase so that it contains the correct information and send me an updated letter in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 a account without my written instructions Account Name : XXXX XXXX Account number XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX, I am writing to request that my loan payments be reported to the credit bureau. 
I understand that the regular reporting of loan payments to the XXXX and Experian is a key factor in helping to build and maintain a good credit score. As such, I have been faithfully making my loan payments on time each month and would like to receive the credit benefits that come with having these payments reported. 

I have included my loan account information below for your convenience. 
XXXX Thank you for your time and I look forward to hearing from you. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I Requested to have these inquiries removed from through both the CFPB and the XXXX XXXX XXXX XXXX and Trans union attaching both my inquiry and identity theft letters. Without any progress or resolution. When I finally was contacted back from the credit bureaus they said they could not identify me.Although I know I attached my drivers license to the complaint. However I still followed their directions and went on each credit site to attach acceptable documentation identifying my self and still no resolution or response was given. 

XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX MEMBERS XXXX Inquiry date XX/XX/XXXX 2024
Product: Mortgage

in XX/XX/2007 both my wife and I lost our jobs at the same time. We had a mortgage with XXXX XXXX, who sold it to a company in California, XXXX. We hired a lawyer ( XXXX ) to mitigate for us, and paid him {$2000.00}. All he did was send some letters to the XXXX, He the n advised us, that this friend of his was interested in looking at our house. A gentleman showed up at our house, and said that he already purchased our mortgage from XXXX and, said that he was willing to make us pay interest only payments with a 7 % interest rate. being in that situation and fearing to be homeless we agreed. this gentleman kept on promising if we can get someone to refinance he would do it. meanwhile House prices declined and this gentleman wanted to much money for the property. No one would lend us for the price he was asking. At his mortgage rate we were falling further behind, Plus I was laid off again, and Hired another lawyer ( XXXX ) to see what he can do. After taking a partial payment of {$500.00} this man was impossible to get a hold of. We just gave up on him. The gentleman who purchased our mortgage filed for a foreclosure and we hired XXXX XXXX XXXX XXXX of New York and paid then {$3500.00} ( a great sacrifice on our part ). This law firm advised me to start a Bankruptcy claim to stop the sheriff sale, but offered no help doing it but said that the clerks at the bankruptcy court would help. I did my best and when I went back to the bankruptcy court the secretary said that the paperwork was good and I should wait for a court date. one week later a received a letter from the court with my court date listed. A week before my court date, I called the bankruptcy court again to see what I should bring with me. It was then that I found out that my case was dismissed because of missing documents and was also told that the lawyers of XXXX XXXX XXXX was already informed and that it went on a sheriff sale and my deed was now under XXXX XXXX XXXX and I lost my house. I meanwhile was never informed and did not know anything until I made that call. Know my fate rest under this XXXX who have already threatened to send the sheriff to remove me from the property. We are still trying to work with this XXXX to see if we can come to some sort of agreement, But thanks to the bad advice of the lawyers and law firm it is doubt full. I served this great country for 10 years in the XXXX and was willing to lay my life down if needed. Always paid my taxes and tried to be as honest as I could. So many promises out there to help, but all scams ( all set up to help people with good greadit only ) and no one does anything about it. This letter will probably not resolve nothing, but at least I had a chance to vent. 

Sincerely a disappointed and let down citizen of what 's called the greatest country in the world
Product: Credit card

Hello this is regarding claim CLAIM ID : XXXX with chase bank credit card. I returned all the items in that order to the merchant and am owed a full refund of {$7300.00}. I believe the credit card company Chase was mistaken in the reason for the chargeback and I also think they are discriminating against me because I am XXXX. The merchant XXXX provided me the return label and I boxed all the items I received using the return label as the label for the box and I returned all the items. It appears that the XXXX warehouse mixed up the items with another box return or chase and XXXX dont believe me because I am XXXX but that is not right. J returned all the items in the order.
Product: Credit reporting or other personal consumer reports

In my efforts to avoid identity theft, clean my credit and bring my information up to date, I explained to XXXX that the XXXX in between my first name and last name is not valid, XXXX has ignored that and everytime I get letters from them, my name is written XXXX XXXX XXXX I sent driving license, social security card, and utility bill and also a notarized letter and the name remains the same My name is XXXX XXXX not XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX RE : Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following account XXXX XXXX XXXX is reporting a balance of {$5700.00} when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing of XXXX on my consumer file. 

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 

Please provide me with the return of the time and form as prescribed by regulation or the Secretary of my name, my address, my TIN, the date, and amount of the discharged/charged off debt and any other information as prescribed by the Secretary.

If not, then I would demand that the account be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel.

Thank you for your time and consideration in this matter. I look forward to hearing a favorable reply. Please forward any correspondence or changes to my credit report to the address listed above. 

Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and these accounts still on. Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently check my credit report and found out there is charge off from Capital one, XXXX XXXX and XXXX XXXX. I never opened these accounts, it looks like someone used my informations to open these accounts. 
Please remove these items from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I called tax office to get update on refund. Was advised it was not in & that I could call federal tax offset number. Called and discovered they had been offsetted by previous lender. There has been no contact, no legal action. Account on credit reports say account is Closed and status Foreclosure Redeemed. Also that creditor retook possession. I have receive no updates on foreclosure since moving JXX/XX/XXXX. 
I called the in-town lending office, she had no file for me, no account number. Said she didnt understand why they would take my taxes. That the property was Sold by a Realtor Office. Said she would call home office and call me back. Received call back the next day, she tells me that what she understands from them is that they sent certified mail to me XX/XX/XXXX and account was Satisfied XX/XX/XXXX, by them taking my 9, xxx in tax returns. I didnt receive anything Certified. The Account on credit reports say Closed as of XX/XX/XXXX and balance due {$0.00}. I have heard nothing about owing on loan after the foreclosed, until years later??
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 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 XXXX XXXX XXXX
Product: Credit reporting

I attempted to get my Transunion, XXXX, and XXXX credit scores. I logged into what I thought was the Transunion site with the understanding that I am entitled to XXXX free report per year from those XXXX entities per federal law. The website asked me for credit card information, which I thought I was providing so it could locate my accounts. It charged me {$1.00}, without taking me through a checkout page. 

When I arrived on the page that supposedly described my credit score, the information was all wrong. It said I owed over XXXX dollars. I owe, at most at any given time, XXXX on credit cards. Additionally, it listed me as having XXXX active accounts. This is also untrue, I would estimate that I have XXXX active accounts, not including my XXXX XXXX monthly bill. It also said XXXX of my accounts is delinquent. This is also false, I am paid up on ALL of my credit cards, and I always pay timely. I had XXXX dispute over a year ago with XXXX XXXX when they stopped sending me my bill for a couple months, and I had to call them three times to get my bill sent so I could pay it. I reported them to the CFPB as well. 

Additionally, once I got on the page of the so called Transunion site that had my supposed score, it had a new heading with some company called " XXXX ''. I never intended to give this company my credit card information. 

The Transunion site does not list my employer whom I have been working for these past two and a half years. It lists me as self employed. It also lists me as having a {$1600.00} balance with something called " XXXX XXXX ''. I have never heard of this entity, I have never been contacted by it, and I do not owe that money. I never signed anything with such an organization or made any agreement. I want this debt removed from my credit report and the rest of my information corrected. 

I then attempted to get my XXXX report and the website told me I had already pulled my XXXX report in the past year, which is untrue and raises identity theft concerns. Moreover, it then told me I could get it for {$12.00} ( Illegal under federal law as I have not pulled that credit report since 2012 ) and prompted me to a commercial website, XXXX. 

Finally, I am listed on the Transunion site as having a XXXX- credit score, in the low XXXX by their system. This just seems improbable. I pay all my debts on time, I have no student loans, I have a steady career where I make {$42000.00} per year, I pay my rent on time, I have never been taken into collections nor have I ever been sued on a debt. This number is bogus and unfair. I want my credit score to reflect that I pay my bills on time and I pay them off.
Product: Vehicle loan or lease

I am writing to address a critical issue regarding the handling of my auto loan account, which has caused significant distress and financial hardship. As the primary beneficiary on the auto loan serviced by Ally Financial, I am deeply troubled by the lack of communication and the detrimental impact it has had on my credit score and overall financial well-being. 

I have a joint account with XXXX XXXX XXXX in which the joint party was informed of fraudulent activity on his bank by a freezing of his debit card. His bank account is linked to the auto loan. Despite being listed as the primary account holder, Ally Financial failed to notify me directly about this concerning development of a missed payment for XXXX. Instead, I learned about the issue through third-party credit monitoring services. 

This oversight is particularly troubling as it demonstrates a severe lapse in Ally Financial 's communication procedures and a disregard for the importance of keeping primary account holders informed about critical account-related matters. As a result of Ally Financial 's failure to notify me directly, I was unable to take immediate action to address this missed payment in a timely fashion. I was informed by my third party credit monitoring that my score was highly affected. When I discovered the issue, we immediately paid Ally the missed month and the current month payments. We offered to provide documentation to validate frozen action by bank as well as a police report. I called Ally to explain the situation as well as address that I was not informed. I called Ally on XXXX and XXXX of XXXX ensuring extended wait times with no resolution except that I must wait 45 days to see what can be done. 

Furthermore, despite the full payment being received, my credit score suffered a significant decline of XXXX points, and the account was inaccurately marked as delinquent. This unwarranted damage to my credit score has had profound consequences, affecting my ability to secure favorable financing terms and jeopardizing my current efforts to purchase a home. 

I demand that Ally Financial takes immediate steps to rectify this situation, including but not limited to : 1. Correcting the inaccurate delinquency remark on my credit report. 
2. Reviewing and improving communication protocols to ensure that all primary account holders are promptly notified of any account-related issues or changes. 
3. Providing assurances that similar lapses in communication will not occur in the future. 

I expect a swift and satisfactory resolution to this matter, and I am prepared to take further action if necessary to protect my rights and interests. It would be helpful to understand how Ally Financial intends to address and rectify these serious issues. It is disturbing that a company can have this much impact to an individuals credit score.
Product: Debt collection

I have been paying a debt relief program for almost 5 years ( {$500.00} ) per month on {$18000.00} and I still owe them {$12000.00}. This has been false advertisement because they continue to send me statements about creditors that have not been paid but the initial agreement was to include all my creditors. They have sold my loan from one company in XXXX to another since XXXX. I have paper work from the current creditor, I don't have a copy of the original loan creditor