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

I purchased car for $ XXXX and paid {$370.00} a month for 3 years to Santander in 2015. The was in a garage and owner placed a len on vehicle and sold in an auction and got {$7500.00}. Making a long story short ... I paid nearly $ XXXX in payments loan for $ XXXX and on report reflects I owe $ XXXX ... XXXXTHIS INFORMATION IS TOTALLY INCORRECT AND I DEMAND TRADELINE TO BE REMOVED IMMEDIATELY IF SANTSNDER CAN PROVE I OWE $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been attempting to lift a credit freeze with TransUnion for 3 days. I would like to apply for for a new credit card and I am unable to as a result of a credit freeze. I have attempting to lift the freeze for 3 days starting on XX/XX/year>. I have tried over the phone and that goes nowhere and I have tried online and that is also unavailable.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>
Product: Mortgage

We made our regular mortgage payment in the amount of {$2900.00} Which was our normal payment that was made in XX/XX/2024 of this year to the Mortgage company called NewRez LLC. Our insurance increased that month In the amount of {$70.00}. Arm mortgage company never notified us. They took our money the XXXX XXXX XXXX XXXX and XXXX dollars and XXXXXXXX cents that XXXX. We did not know there was a shortage on insurance until XXXX of this year when my husband went to check the account manually. When he called our mortgage company they informed us that we can just pay the differance and our credit wouldn't be affected Our credit. In XXXX both my husband and my credit was affected by about XXXX points each. We keep on asking the mortgage company to pull the phone call where they guarantee thus that our credit wouldn't be affected and they have not done so. This is the only way we can fix our credit Here is the mortgage company info NewRez LLC Account number XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX State OH ZIP Code XXXX Phone number is XXXX Names on the account : XXXX and XXXX XXXX XXXX
Product: Checking or savings account

It's been almost 4 months now when I deposited a {$1500.00} third party check by chase into my own chase checking account that night ... .I waited a few days for my check to be cleared and then when it finally cleared .They decide to put a restricted hold on my account claiming fraud suspicioun. So now after I have visited more than a few chase branches and showed proof of identity from myself and third party... They still decided to not issue my money because they keep saying we need phone verification ... .So I've been calling every week for the last 3 and a half months trying to get verified and they can not verify the number but we still haven't got anywhere to this day because we can not get verification for a check that never was fraud and they know it but they won't accept physical identification for some reason which is skeptical to me... I just want the money that belongs to me in my own account ... .PLEASE HELP ME!!!!
Product: Debt collection

I have a collection agency trying to collect a debt that was paid for by the insurance I had at my job. I am now XXXX and the collection is on my credit report with XXXX. XXXX has eliminated it, and as far as I know so has XXXX. I submitted a statement to XXXX. I called the collection agency and was told if I came up with proof they 'd take it off of my credit report. However, I was homeless from XX/XX/2015 until XX/XX/2015. I lost my home because I fell behind in rent, due to my XXXX XXXX. The proof I had that the debt was paid is gone because I was unable to carry all my paperwork in my car. My car 's transmission went out and I no longer had nor do I still have any transportation of my own. I 'll keep fighting this because I was told the insurance company took care of this in the paperwork I no longer have due to circumstances beyond my control.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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  and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX  XXXX  on XX/XX/XXXX under the account number XXXX, a collections account opened at XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under the account number XXXX, a collections account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collections account opened at XXXX & XXXX XXXX XX/XX/XXXX under the account number XXXX, a collections account opened at XXXX & XXXX XXXX XX/XX/XXXX under the account number XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

I graduated in XXXX. I started college in XXXX in which I took out a XXXX XXXX loan then switched to navient. After 3 years of graduating out of no where they uped my monthly payment TWICE as much. I was paying {$170.00} and bam out of no where {$500.00}. I called to lower my payment and instead of working with me on a plan, they told me I could pay {$200.00} each month but in 2 years I then would be paying {$400.00} and in 5 {$700.00}. It 's ridiculous.
Product: Credit card or prepaid card

Rec 'd an invitation to apply for the XXXX XXXX in XXXX. Applied online. At the time of the invitation, I requested a balance transfer in accordance with their offer of 0 % financing, 0 % transaction fee. The card was approved and then sent out. I then rec 'd notice that they needed more information on the balance transfer so on or about XX/XX/XXXX, I called and answered some more questions and was told the balance transfer would be processed. On XX/XX/XXXX I rec 'd notice that I would be charged a XXXX transaction fee. I promptly called and have called in numerous times including to their executive offices support team ( XXXX ) onXX/XX/XXXX and was told they would review the case and get back to me. I called them again on XX/XX/XXXX to be told that they had sent out a letter advising me that the charge would remain on my account. I asked how this could be since I had sent in pictures of all of the documentation they sent showing XXXX transaction fees on all balance transfers. They said they needed me to send in the documentation again - which I have - I explained that the same terms noted on the invitation were provided with the credit card itself when it arrived. Please help!
Product: Debt collection

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to

correct my credit report. I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXXXXXX XXXX  Account # XXXX, XXXX account XXXX XXXX, XXXX XXXX  account XXXX 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
Product: Credit reporting or other personal consumer reports

I have filed several disputes with XXXX and XXXX regarding the Department of Education/NelNet inaccurately reporting my student loan that was forgiven via the Public Service Loan Forgiveness in XXXX of this year. 

I provided XXXX and XXXX with letters from XXXX and NelNet ( dated XX/XX/ and XX/XX/, respectively ) confirming the discharge of the student loan debit in its entirety and a " XXXX '' balance. The NelNet letter includes a line item showing payment in full in the amount of {$39000.00} made to clear the account on XXXX 

The same documentation was provided to XXXX and XXXX and the balances were updated to " XXXX '' with those credit bureaus. 

XXXX and XXXX state the Department of Education/NelNet continue to report the balance and have verified the balance is accurate. 

I submitted disputes to XXXX on XX/XX/XXXX XXXX and XX/XX/ and to XXXX on XXXX XXXX and XXXX regarding the balance being incorrect. I submitted multiple disputes just in case I mistakenly selected the wrong reason. 

I am submitting this complaint against XXXX and XXXX because XXXX and XXXX were able to update the balance correctly after reaching out to the loan servicer/provider. 

However, if it turns out the Department of Education and NelNet are giving out inaccurate information to select credit bureaus, I would like to file a complaint against them as well.
Product: Credit reporting or other personal consumer reports

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, Experian and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within XXXX business days. This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the XXXX Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax Breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of the data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX  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.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a result of XXXX XXXX data breach, I attempted to place credit freezes on my credit data at XXXX, Transunion and XXXX. I was only partially successful with XXXX. They reported that I already had a freeze in place. Transunion 's process died with a system error. XXXX XXXX process returned a blank pin number. Apparently the last two companies have poorly designed system which can not be relied upon.
Product: Mortgage

Please see my previous complaint XXXX. I have attached the letter I received from American Pacific Mortgage. As I stated before, they do not read what they send out. They state that my current home value is {$820000.00} ( low estimate because the home directly behind me just sold for {$900000.00} ). They say I need to pay {$60000.00} to get my LTV ratio to 80 %. Last I checked the principal I owe ( around {>= $1,000,000} ) divided by their new estimate {$820000.00} ( again low ) is 80 %. This company cant even do basic math. Please investigate them for failure to do their job, incompetence, stealing from clients, and conflict of interest. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have this account that is not mine and i wan it to be remove from my credit report. 

1. Identity Theft CAP ONE Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

After being a victim of identity theft I'm disputing the unknown, unauthorized accounts that's reporting on my file, and the data is currently being updated as if the fraudulent illusion was accurate. However, I'm demanding that these accounts be blocked immediately and the data reporting be stopped and removed, unless the credit reporting agencies can produce a legal certified tangible document that binds me is such signed contract, until then I'm loudly demanding that the following accounts be removed, ( # 1 ) XXXX XXXX XXXX {$1500.00}, ( # 2 ) XXXX XXXX XXXX  {$130.00}, ( # 3 ) XXXX XXXX {$13000.00}, ( # 4 ) XXXX XXXX XXXX, ( # 5 ) XXXX XXXX XXXX  {$350.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inquiries as fraud with XXXX  and called on multiple occasions. Nothing resolved, I've also reached out to the creditor.
Product: Checking or savings account

ACCOUNT WAS LOCKED FOR NO REASON AND COULDN'T BE UNLOCKED. SERVICE AGENTS ARE UNHELPFUL AND INEPT. I WAS PASSED FROM AGENT TO AGENT " JUST CALL THIS NUMBER AND THEY WILL FIX IT '' AND NO ONE KNEW HOW. I JUST WANT TO CLOSE MY ACCOUNT. THE CUSTOMER SERVICE MEMBER DIDNT KNOW HOW. 

PREVIOUS COMPLAINT : EXECUTIVE COMPLAINT DEPARTMENT REACHED OUT AT INCONVENIENT TIME AND LEFT MESSAGES BUT THE CONTACT NUMBER PROVIDED FOR " XXXX '' IS NOT FUNCTIONAL ( ALWAYS GOES TO VOICEMAIL, EVEN DURING STATED WORK HOURS ) XXXX I HAVE LEFT XXXX SEVERAL MESSAGES CLEARLY REQUESTING TO CLOSE MY ACCOUNT BUT HAVE RECEIVED NO RESPONSE I TRIED TO CALL THE GENERAL CUSTOMER SERVICE NUMBER AGAIN BUT WAS ON HOLD FOR OVER 25 MINUTES WHICH IS UNACCEPTABLE. 

I JUST WANT TO CLOSE MY ACCOUNT. THIS HAS BEEN THE ABSOLUTE WORST BANKING EXPERIENCE OF MY LIFE. PLEASE CLOSE MY ACCOUNT! SEND CONFIRMATION TO EMAIL ON FILE, AND REFUND ANY FUNDS TO ADDRESS ON FILE. 

WILL CONTINUE WITH REGULAR COMPLAINTS UNTIL ACCOUNT IS CLOSED.
Product: Checking or savings account

On Sunday, XX/XX/XXXX, a deposit appeared in my Wells Fargo checking account for {$950.00}. I thought it was strange and I mentioned it to my wife. 

I realized it because I received an email confirming the deposit with the XXXX time at XXXXXXXX XXXX  and I live in Florida, receiving the email at XXXXXXXX XXXX 
At that point, I changed my username and password. 
Then I received another email which said : We were unable to accept a deposit made to your account. 

On Tuesday, XX/XX/XXXX, I received another email from Wells Fargo which said : Closing your deposit account ending in XXXX. 

I am not a thief, I can not be in 2 places at once, I did not make fraudulent transactions, it is my direct deposit account and for the bank I am simply a bad person, a scammer or a thief and they do not take into account the presumption of innocence. 

The situation is so serious that they included me in XXXX XXXX XXXX XXXX XXXX and I can not open another account in any other bank, this is shameful, I have been nervous for days, this has caused me a lot of anxiety and despair. 

Thank you for what you can do for me. On the other hand, I would like to expose this in some news program.
Product: Credit card

I purchased an outdoor cleaning product thru XXXX back in XX/XX/. On XX/XX/XXXX the company provided information to XXXX who passed it on to the consumers of a health and safety hazard with the spray handle from the US Consumer Product Safety Committee. I contacted Avant on XX/XX/XXXX and requested for them to refund the purchase for this product due to this product issue and they refused to do so stating it was past the 60 day deadline. I repeated myself and told them that an exemption should be made since it was for a product that was found unsafe to use. The amount for approximately {$70.00} which is not a small amount for this product.
Product: Credit reporting or other personal consumer reports

My credit report contains inaccuracies related to 15 USC 16c-2, specifically unauthorized hard inquiries. These errors are negatively impacting my credit, and I kindly request their removal. Thank you!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the validity of a collection account reported on my credit reports, associated with a XXXX XXXX account allegedly opened on or around XX/XX/XXXX, XXXX incident was discovered approx. XX/XX/XXXX. I wish to bring to your attention that I have been a victim of identity theft, which has resulted in this fraudulent account being attributed to me. I have never been a XXXX XXXX customer, nor did I authorize the creation of this account or incur any related debts. 
As part of my dispute, I would like to note that I was among the individuals affected by the XXXX data breach in XXXX, which compromised my personal and financial information. This breach has left me vulnerable to identity theft, leading to fraudulent accounts being opened without my knowledge or consent. To resolve this matter, I requested XXXX to provide the following documentation within 30 days : XXXX. A copy of the contract bearing my signature for the account in question. XXXX. Any documentation or records demonstrating payments made by me toward the alleged account. XXXX. Detailed proof of the verification process used to validate the debt, including the data utilized during account creation. To date, XXXX has failed to provide any of the requested information or respond to my inquiry. Furthermore, XXXX and Experian refuse to remove this entry even after XXXX has failed to verify debt in accordance with the FCRA. This situation has caused significant distress and harm to my credit profile. I respectfully request that the Consumer Financial Protection Bureau investigates this matter and takes appropriate action to ensure the removal of this erroneous account from my credit reports.
Product: Checking or savings account

Purchase was made, funds deducted from account, and never received. Attempted to contact merchant with no resolution. I filed a dispute with the bank in XXXX which has failed to answer calls or update status of this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require that the 3 credit bureaus to validate the accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX Balance {$530.00} XXXX XXXX XXXX Balance {$0.00}
Product: Student loan

XXXX I submitted a XXXX certification form online on my MOHELA account XXXX I submitted the following message to MOHELA : Hello, I submitted an updated XXXX certification form about XXXX month ago. Can you provide an estimate for when my payment tracker will be updated? Thank you very much! XXXX XXXX I received the following response : " Thank you for contacting MOHELA, We apologize for any inconvenience this may have caused. We received your XXXX application XX/XX/year>. We are processing XXXX applications by date received due to the influx of applications being received. You will be sent notification after the processing is complete. If you have any additional questions, please contact us toll free at XXXX. Our hours are Monday XXXX XXXX XXXX XXXX XXXX, Tuesday and Wednesday XXXX XXXX XXXX XXXX XXXX Thursday and Friday XXXX XXXX XXXX XXXX XXXX CT. Thank You, MOHELA XXXX I am still awaiting for the form to be processed. Employment and childcare decisions hinge on an updated XXXX payment count, as that determines when my loans may be released and when I may be free to work for a for-profit employer.
Product: Debt or credit management

I was charged {$89.00} on XX/XX/XXXX  for a membership fee that I never authorized. I have requested a refund and reason for the money being stolen out of my checking account and can not call them, get email response, or chat response from them. Im completely out of options and have been scammed and I am worried I wont get the money back.
Product: Credit card or prepaid card

My credit line started a {$2400.00} and has been decreased 2 times since opening the card. The 1st time It was reduced to {$1700.00} and I have never paid Bank of America late or any cards late since the approval. Of late I paid or reduced the balance from {$1600.00} to {$40.00} along with paying approximately {$7000.00} off in other bills. My credit score is higher than it was when they approved me for the card. After paying the bill down to nearly {$40.00} they reduced my limit to {$500.00}. They never provide an increase as promised. I do believe XXXX XXXX  are treated differently! This has a serious impact to my credit score which is affecting my overall credit score.