23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I HAD BEEN ASKED BY MACY 'S CREDIT TO PAY A DEBT WITH UNEMPLOYMENT INSURANCE FUNDS.
Product: Credit reporting or other personal consumer reports

am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. : XXXX XXXX XX/XX/XXXX LXXXX XX/XX/XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting wrong address for me, which is fraud and identity theft. I never lived at XXXX XXXX XXXX XXXX XXXX XXXX California XXXX, I never lived at XXXX XXXX XXXX # XXXX XXXX California XXXX
Product: Student loan

On XX/XX/XXXX I was told by XXXX from Navient that if I made a payment using my debt card my account would show current on the Navient web page. I needed it to show current because my mom is a co signer and was in the process of closing on a new house on XX/XX/XXXX. Then I called NAvient back ( same day ), after I saw there was no change to my account even know the money was out of my bank. I was promised an email with a conformation number from a different NAvient employee. I never received that email, and 24 hours had gone by .... I called NAvient back the next morning XX/XX/XXXX to ask why my account had not change to current and where was this email I was suppose to have received. I talked to ( XXXX XXXX ) and she said that she had talked to a supervisor and I should have the email by the end of the day, but I never received anything. I called back same day XX/XX/XXXX and talked to XXXX XXXX again that told me the email department would only send emails in the order of request. I asked to speak to a supervisor and that request went unheard by the rep ( XXXX XXXX ). I was basically lied to and stalled by the Navient reps. Telling me that all the information was on its way to me just get paid and to get me off the phone. That same day XX/XX/XXXX after XXXX XXXX XXXX I finally got to talk to a supervisor From NAvient. This woman basically said why should I try to help you when you have been late on your payments. They are many reason I 'm late making payments, but the main reason is so that I can enroll in income base repayment plan. This supervisor was rude and could give me no explanation as to why I was told numerous lies from XXXX  and XXXX XXXX. She did nothing but talk in circles and trying to make me fell bad for being late on student loan payments that had nothing to do with why I was calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my consumer report that should not be there. XXXX XXXX ( XX/XX/2021 ).
Product: Credit reporting or other personal consumer reports

XXXX XXXXXX/XX/year>, My Credit was run by several finance companies without my permission in the state of Georgia, where I do not live. I have contacted each company to verify and remove it based on Fraud.

FCRA Law 15 USC 1681a, FCRA 605B ( 15 U.S.C. 1681c-2 )
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act 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 has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions
Product: Payday loan

My intial debt was with XXXX XXXX. Unfortunately I was laid off and unable to make payments. XXXX XXXX was unwilling to set up any arrangements on my loan. I began to receive threatening calls at saying they were going to take me jail for check fraud. These calls came from XXXX XXXX. I called and reported these threats and nothing ever resulted. They continued to harass not only me but my references. Giving out " case numbers '' for my file and telling them I was going to be prosecuted and served. It got to the point I had to change my number.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received notifications alerting me about a new hard inquiry on my credit report, the hard inquiry was for a mortgage loan from a company called XXXX, I have not applied for any mortgage loan this year, I called XXXX and they said there is no account or application with my social security or information, so I called TransUnion and let them know the situation, that I have inquiries in my credit report that are not mine and I would like them removed, they told me I needed to contact the creditor and ask for a Letter or deletion, I called the creditor again, and they informed me that they do not send out letters of deletion, that the credit bureau is supposed to start an investigation and send out a form to the creditor after I have made them aware of the inquiries in my account, so I called TransUnion back and they said they dont send out forms and it is my responsibility to reach out to the creditors, so TransUnion wants me to do their job and is making it impossible to remove the inquiries, I also mentioned to TransUnion about an issue of someone elses credit information had been mixed up with mine in the past, they didnt want to hear it, they told me I still needed a letter if deletion, when I mentioned that in the past, someone with a similar name and birthdate from somewhere in the state they of Colorado had applied for a loan and it was showing on my credit report for some strange reason, the representative named XXXX said how do you know all this information about that person? Making it obvious that they didnt believe a word I said and were actually accusing me of lying, at one point in the conversation I asked XXXX what information im supposed to ask from the creditor if They dont even have any account with my information? And XXXX responded the information YOU provided when YOU applied for the loan so not only did they refuse to help me and wanted me to do their job but they also accused me of actually applying for a loan after I had reached out to them for help. 
In the past the same issue happened with XXXX and when I brought up the issue, they took care of the problem, they looked into the accounts and inquiries and removed everything from my credit report that was not mine, and even noted that the other persons information or accounts and debts were mixing with mine in order to prevent it from happening again, I asked TransUnion to do this and they just responded with if you cant obtain a deletion letter, you can send us and XXXX  letter to remove the inquiry and completely ignored everything I had mentioned about someone elses information having been mixed with mine. 
According to the XXXX  reform the credit bureau is supposed to hear me out, take me on my word and start an investigation to remove these inquiries in a timely manner, however TransUnion has just been no help at all showing zero knowledge of their responsibility in these situations with terrible and rude customer service representatives who were more concerned about how many times I had called instead of being more concerned about the real problem at hand.
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The particular account 1ST CRD SRVC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) -with Account Number XXXX that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account : XXXX 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
Product: Student loan

I received a letter from Fed Loan stating I was delinquent in XXXX and XXXX therefore 4 years later in XXXX they will be robbing me again and adding back to my loan a balance {$87.00}. 

They need to get their act together. My balance doesn't go down and when I try to pay a loan down, my principal balance does not go down. I have filed many complaints and no one - not even the CFPB cares. SOMEONE NEEDS TO DO SOMETHING AND REVIEW FEDLOAN  PAYMENT APPLICATION PRACTICES. NOW THEY ARE COMING BACK 4 YEARS LATER THAT THEY ARE REMOVING MY REBATE AND ADDING IT BACK TO MY LOAN BALANCE. DOES ANYONE SEE ANYTHING WRONG WITH THIS OTHER THAN ME.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax for their failure to act on two disputes regarding a collection account falsely reported on my credit report. Despite providing Equifax with two certified letters in XXXX and XX/XX/XXXX, containing documentation from the original company 's lawyer and representative confirming that the alleged debt is not owed, Equifax has neglected to correct the misinformation. These documents, dated from XXXX, clearly state that the debt in question is invalid. However, Equifax continues to permit the collection agency to " validate '' the date, allowing the continuation of incorrect reporting on my credit report each month. 

For over two years, I have endeavored to resolve this matter, yet Equifax has failed to disclose what evidence, if any, the collection agency has provided to substantiate the debt 's validity. In contrast, I have supplied Equifax with unequivocal written evidence from the original creditor 's representative and lawyer refuting the debt 's legitimacy. This lack of transparency and disregard for the provided proof is unacceptable. 
Furthermore, Equifax 's failure to respond to my certified lettersa clear violation of the Fair Credit Reporting Actunderscores the need for a thorough investigation into their dispute resolution process and the standards applied to validate debts. 

I urge the Consumer Financial Protection Bureau to investigate this matter promptly, as Equifax 's actions have not only violated my rights under the Fair Credit Reporting Act but have also significantly impacted my financial wellbeing.
Product: Debt collection

PORTFOLIO RECOVERY IS REPORTING THAT I OWE A DEBT IN THE AMOUNT $XXXX I REQUESTED VALIDATION OF THIS DEBT FOR AT LEAST 90 DAYS. THEY HAVE NOT VALIDATED THE DEBT TO SHOW HOW I OWE THIS BALANCE TO THEM
Product: Credit card

At XXXX on XXXX XXXX XXXX XXXX I spoke with XXXX at Chase about opening the XXXX XXXX XXXX XXXX. She informed me I would be eligible for a special XXXX point signup bonus for the card and additionallyXXXX XXXX XXXX XXXX '' ( points earned towards XXXX XXXX for XXXX XXXX ). She instructed me to apply for the card, then all I needed to do was send a secure message after applying to get the XXXX bonus attached to my card. She added our call notes to another XXXX of my Chase credit cards, the Chase Sapphire Preferred card, so that I could reference them when sending a secure message. She also informed me she would send a written letter to my mailing address confirming my eligibility for the XXXX XXXX She also informed me the call was recorded if we ever needed to reference it. So in XXXX places it says that Chase offered this XXXX point / XXXX XXXX offer to me. 
Well, I applied for the card and as instructed sent a secure message and called several times. But the agents now inform me I'm only eligible for the XXXX bonus points. I relied on the original agent 's multiple assurances that I was eligible for the XXXX XXXX before applying for the card. I would not have applied without that bonus. Yet here I am stuck without the bonus, paying {$520.00} annual fee without any recourse. I am asking Chase to please honor the original XXXX points // XXXX XXXX offer that was CONFIRMED by the original agent. Please review the original notes from my first call. Please review the call recording. Please honor the terms which you told me I was eligible for before applying for the card. This is extremely deceptive and unfair.
Product: Credit reporting or other personal consumer reports

The credit reporting agencies XXXX, XXXX and XXXX have reported that there are several hard inquires on my credit report. I have contacted each credit reporting agency and notified them of this fradulent identity theft activity dating back to XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023. I further discovered that the XXXX XXXX inquiry is related to a corporate business account not a personal consumer account and which was not unauthorized by my personal authority.
Product: Credit card or prepaid card

I am a XXXX and made a purchase with my discover card on XX/XX/2020 for a spring vacation for my mom and me for XX/XX/XXXX. I made the purchase with XXXX and charged in on my Discover card for the amount of {$3400.00}. The Corona virus hit NJ and schools were closed and my Mom lost her job as well. We were house bound and worried due to the danger of this virus and the fact that we live with elderly grandparents. The flights were cancelled and I was shocked to learn that XXXX would not refund the money. I contacted them numerous times but no one would answer. I called Discover card and they agreed to help me. This has been ongoing since the XXXX statement and they have issued temporary credits 3 times and revoked them. The final case XXXX concluded that they did not find it in my favor and included the transaction receipt from the XXXX booking. My dispute is not about whether I purchased the ticket but the dispute is that the trip never happened and was cancelled due to the pandemic. The service was not provided and I should not be held accountable as this is a violation of my consumer rights. I am looking to finally get this refund back on my card for good.
Product: Debt collection

Enhanced Recovery is reporting a negative unverified account on my credit report. Enhanced Recovery failed to respond to my debt validation letter sent on XX/XX/2019. ( please see attachment ).
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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, credit repair services, or other personal consumer reports

I have a store credit card with XXXX XXXX  XXXX. I have always made my payments on time. I have noticed while looking over my credit report that there was a 30-day late payment on my credit report on all 3 bureaus. As you can see, I have always had a stellar payment record with this company. I tried contacting both Experian, XXXX, and XXXX  and XXXX XXXX   XXXX with no successful resolution. Experian, XXXX, and XXXX  are all reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Mortgage

On XX/XX/XXXX The neighbor 's tree fell on my above ground pool which I installed with my own funds in XXXX, damaging my pool leaving my back yard in a complete mess at the beginning of summer. My homeowner 's insurance came out assessed my damages and issued a check for the loss of the pool as other structure and put my name, the mortgage company, ( New Rez LLC ) and my bank on the subject line of the check. I attempted to deposit this check in my bank account but was told all the parties listed on the check needed to endorse the check. On XX/XX/XXXX, I drove over an hour away to have my credit union endorse the check. On XX/XX/XXXX, I mailed the check to New Rez Loss Draft Department. On XX/XX/XXXX, I filed a claim with New Rez Loss Draft and completed the forms emailed to me and the process was explained to me that after they review the claim the check would be endorsed and sent back to me. Between XX/XX/XXXX and XX/XX/XXXX I placed several phone calls to inquire about the status, each time having to wait over half an hour to an hour for someone to come on the phone. Each time, the representatives made promises the check will be sent out after it is reviewed and verified with the insurance company and the check would be overnighted to me. On XX/XX/XXXX I called the insurance company and learned that New rez Loss draft department did reach out and the Insurance company did provide New Rez Loss Draft Department with the letter in XXXX of an adjuster 's report on XX/XX/XXXX at XXXX. Between XX/XX/XXXX and XXXX several more unanswered calls and extremely long waits to speak with a representative occurred, I requested a phone call which I never received. I emailed them, no response to my email. Finally on XXXX, Spoke with XXXX from New Rez Loss Draft Department who informed me that the check was mailed back to my home address on XX/XX/XXXX. She then stated it will take 8-10 business days for the check to reach me, and further stated the expected arrival date would be XX/XX/XXXX. Well, today is XX/XX/XXXX still no check. I called New Rez loss Draft department and spoke to representative XXXX venting my discontentment with her company and requested a transcript from beginning to end of this process regarding my check, she tells me to request that the insurance company re-issue me the check. I questioned why the insurance company would need to re-issue a check they claim to have mailed back to me, crickets were her response. I am at my wits end, don't know what else to do. New Rez Loss Draft department has lost my insurance claim check, they have ruined my summer as my back yard continues to remain messy with no funds to fix the damages. I should not be going through this. I paid My own money to install that pool, I did not get funds through New Rez Loss draft or anyone so they should have never been included on my check and now I am dealing with this never-ending nightmare. Just do a XXXX  search you will see there are countless homeowners who are dealing with similar issues with New Rez Loss Draft, Department, they are the worst, I don't know why they exist, but I need my check back. Please help!
Product: Prepaid card

Took XXXX days to get my funds from XXXX act and ten days for the other
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016, Credit Acceptance Corp add a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, CREDIT ACCEPTANCE CORP has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

I would like for the inquiries to be deleted because did not authorize these companies to run my credit.
Product: Mortgage

I am in dire need of urgent assistance with my mortgage Lender, Lakeview Loan Servicing , LLC, C/O : XXXX. I recently received my current monthly statement that shows my monthly payment has doubled. I have not fallen behind on my mortgage payments. I also noticed on the invoice statement, that I have incurred asserted attorney fees in the amount of {$480.00}. I contacted customer service, which advised me to pay the fees to avoid going into default on my loan. To date, I have made all of my payments in a timely fashion, ( excluding legal public holidays, Saturdays, and Sundays ). My payments are normally mailed at the end of each month. 

I am asserting that the Service Lender charged this fee ( {$480.00} ) without a reasonable basis to do so, therefore ; I am requesting supporting documentation from the Service Lender, regarding their deceitful asserted impermissible fees that they have financially imposed on me. According to the Real Estate Settlement Procedures Act ( " RESPA '' ), an institution lacks a reasonable basis to impose fees that are not bona fide, such as ( i ) late fee for a payment that was not late, ( ii ) a charge for a service that a service provider did not actually provide, ( iii ) a default management fee for borrowers who are not delinquent, or ( iV ) a charge for forced-placed insurance that is not permitted by 12 CFR 1024.37 ( 12 CFR Part 1024, Supp. I., Comment 1024.35 ( b ) -2 ). I received information from Lakeview Loan Servicing , LLC on or about XX/XX/2019 indicating that " Recoverable Corporate  Advance Fees were paid with Servicer funds, but are to be recovered by the borrower ''. This appears to be a deceptive predatory practice by the Servicer with no supporting documentation of rule. 

My modification contract with Lakeview Loan Servicing , LLC does not specify any recovery corporate advanced fees involved in my repayment of the loan. So, why am I being charged this fee?
Product: Vehicle loan or lease

Identity Theft GM FINANCIAL Account Number : XXXX This account is a result of identity theft. I do not have a car or vehicle with GM FINANCIAL. I have filed an FTC report on the matter on XX/XX/scrub> XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The XXXX account reported on my credit report is not mine. The agency has sent information to me with names and addresses that conflict with the dates and times of my being in the country when this account was potentially opened. XXXX has harassed me about paying this account and has offered various ways and amounts to pay. However, the account does not belong to me. I have contacted the agency and filed several affidavits and complaints to the CRAs, including the attached FTC report denying all allegations that this account belongs to me.
Product: Credit card or prepaid card

my Us bank reliacard is locked since XX/XX/XXXX I sent out my id verification on fax it's been 3 weeks I got fired from my job because I got tested XXXX for XXXX I missed work from 2 months XXXX and XXXX I need this money for bills and put food on the table