23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I received a credit card from XXXX XXXX several years ago that was attached to my joint account ( with my husband ) at Fidelity Investments. Approximately two years ago, Fidelity informed us that they would be replacing the XXXX XXXX card with a VISA card through XXXX XXXX XXXX. I found out last week when trying to correct an erroneous billing issue that XXXX would not discuss any issues with me without my husband 's specific authorization because I was not an owner of the account. I asked how could that be since the original XXXX card was originally issued to both me and my husband based on our joint account at Fidelity. XXXX claims the information they received when they took over the business at Fidelity must not have indicated such and they required me to submit a new credit application which they rejected. XXXX refuses to provide any documentation showing that they received this incorrect information from the previous credit card company as they allege. I believe that this a clear case of discrimination against me as a woman since they only issued the credit card to my husband even though their relationship is based on a Fidelity account that is jointly held by me.
Product: Credit reporting or other personal consumer reports

When I go into a credit union with a score of a XXXX and am told I can't open an account because im in chexsystems then I contact chexsystems and they respond with closed with explanation but it just says a whole bunch nonsense it doesn't tell me if my issue was or wasn't resolved? Can someone tell me if I was removed from chexsystems?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should 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, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

On or about XX/XX/XXXX, my deceased husband XXXX XXXX executed a promissory note as the sole obligor that was given to XXXX XXXX XXXX XXXX as the lender, and to secure said promise to repay, my late husband and I both executed a deed of trust dated the same. 

With the first payment made towards the foregoing transaction in the year XXXX up until or around the year XXXX, my credit profile never reflected said transaction for which only my late husband was an obligor. Proof that I was never an obligor for said transaction is demonstrated within a correspondence dated XX/XX/XXXX from JPMorgan Chase Bank ( " Chase '' ) as the mortgage servicer, addressed to both myself and US Senator XXXX XXXX that is attached hereto as Exhibit 1, wherein Chase clearly stated that a " ... review of this loan has found that you are not a co-signer on the Note for XXXX XXXX 's ' loan. Since you are not financially responsible for this loan, we are unable to consider you for a loan modification .... ''. 

Upon XXXX XXXX XXXX ( " XXXX '' ) becoming the servicer for said transaction in or around the year XXXX, XXXX begin reporting said transaction to the credit bureaus as if I was an obligor when I never executed the original note as an obligor as demonstrated within Chase 's XXXX correspondence ( See Exhibit 1 ). Furthermore, in the year XXXX I discovered that either Chase or XXXX  caused my name and signature to be authored and forged upon a note instrument filed with the U.S. Bankruptcy Court for the XXXX District of Virginia in Case No. XXXX ( See Exhibit 2 ), followed by the forging of both my name and late husband 's name upon a modification dated in the year XXXX ( See Exhibit 3 ), which neither one of us requested or needed at the time. 

Lastly, to avoid the foreclosure of my home, I was pressured into executing a predatory - unconscionable modification created by XXXX that is void of a break down of my payments towards principal and interest, and consisting of a balloon payment. Furthermore, XXXX created an escrow account for both hazard insurance premiums and real property taxes when the latter was exempted by XXXX XXXX since XXXX as seen within Exhibit 4.
Product: Consumer Loan

I have informed the Company I am not allowed to receive " personal '' calls at work. The Company consistently call throughout the day.
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. 
XXXX Balance XXXX {$47.00} XXXX XXXX - XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$1200.00} XXXX XXXX  XXXX XXXX XX/XX/2023
Product: Checking or savings account

My husband and I bank with Chase, but our car loan was with XXXX XXXX. We decided to pay off our car loan but werent sure how to go about it. We contacted XXXX XXXX first but were told we could not pay $ XXXX by phone and that we would first need to increase our credit limit and visit a XXXX branch in person to make a payment abs we could use a debit card to do so. Next, we called Chase and explained that we wanted to make a $ XXXX pmt on our XXXX loan abs asked what we needed to do. Their only helpful suggestion was to increase our credit limit for the day. My husband then went into ya XXXX branch to make the pmt. His banker was a young girl who seemed new and didnt know how to process his large pmt. My husband offered to go to Chase to get a cashiers check and speed up/simplify the process. The banker said she would get her manager to help her. The manager then did over rides and told my husband, let me try this after asking for his debit card. A day or two later, we noticed a non ATM fee of almost {$900.00} charged to our account. Not once were we ever advised of the possibility of a bank fee if we allowed our debit card to be used to process our $ XXXX pmt. We opened complaints with both XXXX and Chase executive depts. XXXX stated the bankers who assisted my husband claimed to have informed him they were processing a cash advance and advised him of possible fees-this is a complete lie. The signature line of his receipt is blank. Nothing was explained, she did over rides on everything and nothing was explained. As for Chase, they said despite failing to disclose or inform us of fees by phone-their bank fee schedule is available online so that protects them from needing to assume responsibility for failing to disclose a fee to us. Please help. We need our {$900.00} back. That was our mortgage payment for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX are reporting this erroneous account on my credit report that does not belong to me and i have been disputing for several months now but they keep responding by saying it's verified but not sending me any type of proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB AUTO FINANCE ***** Opened XX/XX/2018 Balance {$21000.00} As a client, I now have privileges that are presented to me to secure me through misinformation being recorded on the credit report. Right now I wanted to get a final request for examination before I discuss with my lawyer for information on how to deal with inaccurate and unverifiable things that are ongoing to be approved as genuine. I highly recommend you offer me a copy of the contract authorized or voice conversation where I allowed billing me with this account.
Product: Mortgage

This is the second time this corrupt company has not done their job properly. both times it has to deal with Escrow taxes, first time they raised monthly payment {$370.00} dollars per month and said it would be corrected within 9 months and now it is raised {$1200.00} dollars per month and I called to ask to change the payment date so I would not get a {$92.00} dollar late fee and the lady said I would have to refinance the loan, I then asked why I could not make a partial payment and she said I would have to enroll in auto pay, but as long as I payed with in the month they would not report to my credit bureau. All they care about is money and I realize they are a business but they should work with customers when they constantly mess up. I am not asking for a hand out, they should change their payment structure to allow customers to make as many payments per month to their account but you can only make one and it has to be the amount of the monthly payment. every other business allows multiple payments even without auto pay. Every month I will have a late fee and they don't care, but they sure take the money. its disgusting how money is the answer to everything. its not fair business practice and this will fall on deaf ears but people should not deal with this company ( XXXX Mortgage )
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT XXXX XXXX ACCOUNT XXXX XXXX  15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX XXXX XXXX I was looking over my file and I found that I had a few errors and addresses that I never lived at. I had some issues with someone using my information while I was living out of town. I never lived at the following adresses XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX please have them deleted because they may have been used to comprise my name and information. 
There are account that I do not recognize showing on my credit report XXXX XXXX XXXX {$1000.00}, XXXX XXXX XXXX, XXXX XXXX XXXX After careful review of my credit report, I notice that I owe an outstanding balance. I would like to let the credit bureus and collectors know that I am disputing these accounts. Under the FDCPA, and FCRA, I can request verification from third-party collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC. Under the FDCPA Section 807,811 ( a ) ( 2 ), 1692 e ( 3 ), and 1692 e ( 10 ) ; and the Ohio Law 1319.12 ORC Taking Assignment of Debt, you failed to submit the proper documentations to validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed BK in 2009 and got it discharged in 2009, under XXXX the mortgage that was involved on the BK still shows up. I need this fixed and OCWEN should not have this on collection. Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am refiling this complaint to EXPERIAN for allowing the fraudulent accounts on my credit report. I filed an FTC report last XX/XX/2023, with the identity theft report number XXXX. As I checked my credit report these fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy and CFPB rule on medical collection.I have again attached the FTC report together with the letter of explanation for the reasons why these accounts should be deleted from my files.
Product: Debt collection

Mariner Fiance Has Called Multiple Times A Day Demandinf Debt Collection Threating A Lawsuit And Threatened Seizing My Property. CALLING EX WIFE, FIANCE AND EVEN CALLING FROM THEIR PERSONAL PHONES, they refused to provide correct interest rate and the original paperwork doesn't match and they refuse to provide proper paperwork
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are listed on my credit report and they do not belong to me. I never applied for these accounts nor did I create delinquent bills : XXXX XXXX XXXX XXXX - {$230.00} XXXX XXXX XXXX XXXX - {$180.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX - {$0.00} XXXX  XXXX XXXX - {$0.00}
Product: Money transfer, virtual currency, or money service

In XX/XX/2020, cash app allowed government benefits to be loaded on to their website. 
They promoted the pandemic unemployment by issuing an account and routing number. 
I allowed my brother to use my cash app to load his benefits and I paid him cash from my bank account. 
Soon after, my account was hijacked and I had to watch in real times as my money was sent to my late husbands aunt, XXXX XXXX ( XXXX XXXX, on cash app ). 
She took {$3900.00} and {$1500.00} back to back and also ran my card numbers at the local XXXX XXXX. 
I sent over XXXX messages to cash app, as they didnt have a customer service number, and I havent been helped. 
I called her bank, XXXX XXXX and also the police. 
As soon as she took the money, I was submitting for a refund. 
Cash app could have intervened, especially in a transaction so large, but they did not. 
One time, someone sent me {$500.00} and cash app put a delay on it for 24 hours. 
Why was she able to send a {$3900.00} transaction and a {$1500.00} with no hold, no review nothing. 
I was hacked and have had no justice since she lives in Florida, and I live in Ohio.
Product: Student loan

I was shocked when I reviewed my credit report and found late payment on my current student loan. I disputed these student loans account with both Nelnet and to all the 3 credit bureaus and i was shocked to them on my credit report today. It continues to report incomplete, and unverifiable information. I also read here in cfpb that student loan companies were sued for not applying for the payment correct into the student loan accounts. Also hows it possible that youve reported me 90 days late with no late payments prior to that?
Product: Bank account or service

I received an invalid transaction on my account. I contact the bank and vendor on the day the transaction showed in my bank account. I spoke with 3 different representatives at the bank. I provided the bank with all the information given to me by the merchant. The final representative was in the " card '' department stated that they were removing the transaction and I will not receive an overdraft fee. The next day I check my account and it has 3 overdraft fees and the invalid charge is still on my account. I contact my bank. The representative informed me there were no notes on my account indicating my call or complaint and there were no open disputes on my account for an invalid charge. I request a supervisor who informed me that they could do no more than their representative. I was then told all the charges will remain until up til 90 days. The supervisors are irrelevant and have no more authority than the representatives. There was no courtesy and I was basically lied to three different times. I received no assistance from the bank ; I was not awarded any temporary credit or charge removals for my inconvenience.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The consumer reporting agencies need to reportall information with complete accuracy. This account has not been late on this particularpayment. I've attacheda copy of my report for hiscomplaint on the following dates XX/XX/year> & XX/XX/year>. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit card or prepaid card

I recently submitted a complaint regarding a delivery fee not being refunded by XXXX 's. I submitted the case on XX/XX/XXXX Case # XXXX. 

They resolved it by crediting me like {$220.00} to my XXXX 's credit card financed by XXXX XXXX. Even though I didn't get the {$220.00} I was promised. I rolled with it. 

Everything was okay until today XX/XX/XXXX. I received a call from a lady name XXXX stating that she was XXXX 's XXXX XXXX from the XXXX store. 

She threatened me and stated that if I didn't pay her the {$220.00} for the barstools and end tables. That she'll put this as a collections on my credit report. She stated that I did a chargeback with XXXX I better pay them or bring them the items back immediately. I told her she needed to call XXXX to understand what happened. XXXX explained that she won't call them since they gave me a credit. Due to me telling them I didn't make that purchase. 

XXXX better straighten this out right now, or I'm going to retain legal council. They have until next XXXX XX/XX/XXXX to update me, or I'm suing. This place is a scam and a rip off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection that is reporting inaccurate information on my credit report. I have disputed the information 30 days ago and have yet to receive a response. This collection is not valid and the collection agency can not verify that this debt is valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to have an account ( # XXXX ) with XXXX XXXX that is not mine removed from my credit file from TransUnion for over a year. However despite much evidence the company XXXX XXXX located XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX placed this on my report refuses to remove. 


Despite multiple requests to review XXXX refuses to remove said account from my report and has caused me irreparable harm. 

XXXX not only refuses to agree with the removal but has made fraudulent statements to TransUnion and my attorney regarding this account. XXXX falsely claimed they Verified my signature. How do they verify my signature without my signature? 

XXXX failed to conduct minimal diligence despite sufficient evidence submitted to the contrary and multiple requests/disputes. ( Evidence attached of disputes filed in XXXX and XXXX ). One of the disputes attached is from XXXX who agreed to remove in XXXX. TransUnion refused to remove in both XXXX and XXXX. 

XXXX refuses to investigate my disputes and or acknowledge that I am not a signor on the account in question. I have provided above and beyond what is required to show the account is not mine and should be removed. 
XXXX XXXX was last point of contact at XXXX. 

I ask that you investigate the business practices of XXXX. Their failure to remove this account from my file has caused me personal and financial harm and they should not be permitted to operate in such an unscrupulous manner. 

I have also attached two letters ( witnessed and or notarized ) submitted to XXXX yet they still refuse to remove account from credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my parked car was hit by another driver. We went through the claim and everything was settled by the driver 's insurance. 

However, when my insurance renewal comes up, the insurance company informed that a clue report generated by LexisNexis shows that there is at fault accident and suggested that i need to corrected with Lexis Nexis. 

I have contacted Lexis Nexis and provided the police report in addition to the check sent by the driver insurance. However, Lexis Nexis is refusing to correct this mistake. 

LexisNexis failed to update its records especially during this time, despite being sued many times over the years for the same reasons. ( Adams v. LexisNexis Risk & Info. Analytics Grp., Inc. , 2010 WL 1931135, at *9 ( D.N.J. May 12, 2010 ) ( denying LexisNexiss motion for judgment on the pleadings ) ; Berry v. LexisNexis Risk & Info. Analytics Grp., Inc. , 2014 WL 4403524, at *1 ( E.D. Va. Sept. 5, 2014 ), aff 'd sub nom. Berryv. Schulman, 807 F.3d 600 ( 4th Cir. 2015 ).

We urge Consumer Financial Protection Bureau to revoke Lexis Nexis license to store and sale consumer data as it has proven again that it doesn't adhere to the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq Consumer Number : XXXX Case Number:XXXX Thank you very much