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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$17000.00} US DEPT ED XXXX Balance : {$9100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX Balance : {$17000.00} US DEPT ED XXXX Balance : {$9100.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these unauthorized and unverified inquiries from my report. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I was never informed of a collection of {$800.00}. I wasnt given the chance to ask for verification or validation, but its reporting on my credit report as late and has caused serious personal harm to my every day life when needing to apply for a car, car insurance, a credit card and a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed public records that are displayed on Credit report from the Credit reporting agencies. They have not furnished proof and claimed that the information was accurate, and it was received from XXXX XXXX. I sent in documents from XXXX XXXX showing that the bankruptcy has been removed from their reporting and it is inaccurate therefore it shouldn't be reporting on my report. this blemish on my report is preventing me from credit from lenders and is defaming my character. I can't seem to get any response in reference from the CRA. 

Also having the same issue with a XXXX XXXX that is inaccurate. I have also asked the CRA to Furnish information on the validity of this creditor on my report.
Product: Credit reporting or other personal consumer reports

is a fraudulent entry and does not accurately reflect my financial history. According to the law, if any information on my credit report is found to be inaccurate or unverifiable, it must either be corrected or removed from my report.

As per 15 U.S.C. 1681e ( b ), I am entitled to have my credit report accurately reflect my true credit history, and under 15 U.S.C. 1681i ( a ) ( 5 ), Hard inquires : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

To whom it may concern, My mortgage with Bank Of America was in forbearance. By now I exited the program and made up on all payments that were missed totaling {$12000.00} I'm currently applying for a new mortgage loan and I need a letter from bank of America confirming that all mortgage payments are up to date and that my loan is no longer in deferment. I tried calling Bank Of America several times but I'm not being successful in getting this letter
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the information you listed on my report : XXXX XXXX XXXXXXXX # XXXX : Unverified information. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all information you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent information.
Product: Debt collection

Hello, I would like to draw attention towards Portfolio Recovery and how they have hounded my cell phone voicemail with unnecessary and bogus voicemails with machine robots regarding a XXXX XXXX debt i supposedly owe. I have notififed XXXX XXXX and XXXX XXXX that there was fraudulent activity on my account and that the charged were not made by me. Portfolio Recovery refuses to acknowledge anything I am saying and they continue to tarnish my credit report and attack me and I feel abused and isolated by them. They send me scary letters and keep updating my credit report with false information. I have already frozen all XXXX of my credit reports due to check cashing fraud down against me in XXXX of 2015. My identity was duplicated for some time under a false address and I was unaware as charges lingered. I have been forced to seek bankruptcy counseling and I have no connection to this XXXX XXXX debt that Portfolio Keeps stalking me about. XXXX XXXX is aware of the fraud against me and have closed out my account and I believe that this company is ignoring the FDCPA laws and the FCRA laws and are not verified or dfdeting this fraudulent account against me in order to scare me or hurt me. I would like the CFPB to know that they utilize robotic dialing at XXXX hours and have denied it when I have sent them certified letters asking them to STOP! I do not owe this debt and they have NO right to display ANYTHING under my social security number or on any of my XXXX credit reports! Please have them STOP an have the LEAVE ME ALONE! I have tried fighting this fraudulent account with the XXXX credit bureaus but they all have supposedly verified it and yet U HAVE NO PROOF of an investigation, the results i requested or any ducmonotaion which I forwarded regarding my identity theft was submitted to XXXX XXXX or Portfolio. I am sick and tired of this company abusing me!
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts.
Product: Credit reporting or other personal consumer reports

I filed a dispute on { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX } due to me filing XXXX and its supposed to be removed off my credit. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a car and credit cards. Experian violates my rights as a consumer, as well as federal laws.
Product: Credit card or prepaid card

On XX/XX/2020, my outstanding balance on my Capital One credit was paid by XXXX XXXX as a part of bill consolidation loan I received. XXXX XXXX overpaid my outstanding balance by {$300.00}. Capital One said it will refund the overpayment in 60 to 90 days! 

When I owed a debt to Capital One, I had 30 days to pay. Why should they get 60 to 90 days to refund my money. The account is closed so there's outstanding charges that will be charged to the account.
Product: Mortgage

Flagstar Bank FSB has failed to submit payment to my Home insurance provider. There may be a lapse in coverage if the company does not pay.
Product: Checking or savings account

Debit card charge for purchase I didn't a authorize XXXX
Product: Bank account or service

I opened a new Citi Checking account in XXXX 2016 with a promotion code to get {$400.00} bonus if I deposit {$15000.00} into the account and maintain it for 30 days. This was promotion code XXXX. 

As can be seen by the secure messages sent from representatives of Citi, I was qualified for the promotion and it was on my account. After waiting many weeks for replies, I was told that I was denied for the bonus. All qualifications for this account were met, and Citi is trying to deceive their customers by bait and switch.
Product: Checking or savings account

I recently asked Bank of America to close my Checking Account and I received two different account closure statements in the mail. 

One was my original account ( XXXX XXXX XXXX  XXXX ) with the accurate transactions. 

The other also had my name, my current address, and it was an account # I was not familiar with, and an account type I had never opened XXXX XXXX  XXXX XXXX XXXXXXXX ), with multiple transactions to varying people I didn't recognize.
Product: Money transfer, virtual currency, or money service

XXXX XXXX filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

XXXX sent my name to collections with Fidelity Information, but I do not owe her money. I was not a party to the lease and do not owe her. She has said on numerous occasions that she is aware, but wants to be paid anyway. I 'm in the middle of buying a home and this has put a halt to my purchase. I want her criminally prosecuted.
Product: Credit card or prepaid card

I've discovered I've been charged thousands of dollars going back to XXXX for a " service '' I never agreed to nor even saw any acknowledgment option for. Below are some notes from my calls with Synchrony. 

I was informed by Synchrony Bank employee XXXX XXXX I would be 'getting everything back ', but the department was closed and I would have to call the XXXX -- -- - CALL ONE : XX/XX/XXXX, XXXX XXXX, TOTAL 29 MINUTES - Transferred from XXXX Customer Service XXXX XXXX XXXX to Synchrony Employee XXXX XXXX said verbatim 'I would get everything back ' at XXXX XXXX -- -- - CALL TWO : XX/XX/XXXX, XXXX, XXXX ' 'Employee ID ' XXXX XXXX Employer XXXX XXXX ' Customer Care representing Synchrony I described this practice to the employee a " fraudulent billing practice '', billing a customer money without their agreement for a service they have no knowledge of even having been 'enrolled in " by the biller. 

I've discovered other people who have had their refunds assisted by the CFPB for the wrongdoings of Synchrony 's " CARD SECURITY '' billing practices and was suggested I also file a complaint. 

Instead of helping me, this agent kept on saying it is 'not her department '. I reiterated several times I'm not talking about outside fraud, but an unscrupulous billing practice by Synchrony and that I am indeed at the correct department as instructed by Synchrony themself. This person laughed as she gaslighted me saying " oh no but you said fraud so I won't help you '' even though I was at the right place causing me to get extremely frustrated. 

I believe these are retention agents that are incentivized to not refund money and get us to hang up the phone. She informed me 'she had no supervisor ' at first. I believe this practice is illegal. Later in the call she said she did say she requested a callback from a supervisor, clearly indicating she was lying and thus had incentive to get me to hang-up the phone to avoid a bad survey or to increase her retention rate. 
-- -- - CALL THREE : XX/XX/XXXX, XXXX, XXXX - Employee/Call Ref ID XXXX ', XXXX XXXX ' aka XXXX XXXX representing Synchrony I then called the same line back and did indeed have some of the money refunded by XXXX, but not the full refund I am entitled to as someone who was billed for something without their knowledge or explicit agreement with any sort of knowing of said program 's enrollment or cost. 

She escalated to a supervisor, and instructed me I would have to either call back again or wait for a callback. It doesn't sound like she has any kind of actual relation to these supervisors and couldn't tell me certainly it would actually even happen. 
-- -- - I also can not even see in my XXXX STORE CARD portal the full amount I have been billed for this program I had no knowledge of. Please verify the total amount I have been charged from the beginning.
Product: Credit reporting or other personal consumer reports

Hi I had my identity stolen somehow with a tax preparation program. Somehow someone got my information and opened a credit line in my name. Also now I cant file taxes using my doc sec number. I have to use a number sent by the irs every year. The credit card is from XXXX XXXX XXXX. I have never heard of, Applied to, Or even heard of this bank in my life. I have reported this to all three credit report companies and it appeared it had been removed But now I tried to get my credit score from XXXX and it said my balance increased again on this card? I need help to prove this is not mine somehow. I have tried every way I could look up and think of. It is hurting my credit badly. And I feel I should be able to prove it is not mine and have it deleted from all credit reports as soon as possible. I have a hard time getting loans for anything. Any help is very appreciated. Please help me. I dont know what else to do. Thank you.
Product: Payday loan, title loan, personal loan, or advance loan

I had fallen behind in making payments to the loan in question. Customer 's Bank then sent my account to XXXX XXXX XXXX for collections. On XX/XX/year> I entered into a payment plan for the past due amount with XXXX XXXX. The payments began on XX/XX/year>. I also began paying the current amount due {$1000.00} to Customers bank directly beginning in XXXX. On XX/XX/year>, I got a notification that the account had been accelerated and that the total amount was now due. I asked them to review the account since I had a payment plan authorized by their collection agency and at no time was I told that the payment plan was insufficient until after the fact. I questioned why they allow an agency to collect on their behalf and then do not honor the payment agreements made with that agency. Customers Bank is refusing to reinstate my loan and allow me to continue making payments.
Product: Checking or savings account

Subject : Dispute Resolution & Customer Service - Chime Dear XXXX, I'm disappointed with Chime 's handling of my dispute ( fifth rebuttal submitted ). They haven't resolved or refunded {$2600.00} due to a fraudulent account opened with my stolen identity. Chime representatives haven't provided information on submitted paperwork needed for resolution, and I've experienced This is unacceptable. 
Hoping for your assistance in reaching a fair resolution, including a full refund of {$2600.00}
Product: Credit reporting or other personal consumer reports

I have discovered discrepancies in how my personal information is reported across all three credit bureaus. My name, address, and possibly other details are inconsistent. This inconsistency undermines my ability to manage my credit effectively and may impact my creditworthiness. I am seeking assistance to rectify these discrepancies.
Product: Student loan

In XX/XX/2018, my {$650.00} student loan payment was spread across the seven loans I hold with Navient in the following way : XXXX Direct Loan {$41.00} XXXX Direct Loan {$45.00} XXXX Direct Loan {$46.00} XXXX Direct Loan {$55.00} XXXX Direct Loan {$59.00} XXXX Direct Loan {$150.00} XXXX Direct Loan {$250.00} During the months of XXXX  and XXXX, my payment was distributed in this way : XXXX   Direct Loan {$0.00} XXXX  Direct Loan {$0.00} XXXX  Direct Loan {$0.00} XXXX Direct Loan {$0.00} XXXX   Direct Loan {$0.00} XXXX Direct Loan {$0.00} XXXX Direct Loan {$650.00} As of XX/XX/2018 I had accrued {$460.00} of unpaid interest. As per federal law, loan servicer companies are required to apply all payments in the following manner : first to outstanding fees, second to accrued interest, and finally to the principal balance. For the past two months Navient has been negligent in following this federal requirement. At no time did I request a change be made to how my payments are applied. It should be noted, though, that in XX/XX/XXXX I did do research about how to apply for income based repayment schedules with Navient 's loan repayment too. I am not sure that these are related, but wanted to disclose this activity in the event that it was misconstrued as a desire to change my payment allocations. I emailed the company about this situation and did a follow up phone call when my email was not answered correctly. When I called, the person on the phone told me initially that the payments had been disbursed appropriately. When I told her that this was not reflected on my end, she looked again and let me know that I was correct. She said that the reason these payments had gone solely towards loan 11 because I was ahead of schedule on payment and that the payments for XX/XX/XXXX and XX/XX/XXXX were over payments and that was why they were disbursed as such. I asked her why the payment application had changed and she could not give me a definitive answer on how the payment allocations had changed or why they had changed. She was able to change the allocations back to how they were before and gave me a date as to when my past payments would be reapplied properly ( XX/XX/2018 ). As I continued to ask about why the allocations were changed, I was disconnected from the person from Navient and my call was forwarded to a survey about my experience.I 'm not sure if this was accidental or on purpose. XX/XX/XXXX has come and gone and these payments have not been reapplied, and the record of those payment allocations have disappeared from my online account. I received only a message from Navient confirming the amount of money I still owe them.
Product: Debt collection

synchrony bank allowed someone to open accounts in my name when i was in XXXX XXXX and I had no knowledge until i checked my credit because i want to make a auto purchase. And now my account is in collection and I need it remove as soon as possible because im not responsible for such a bill.Why do a XXXXXXXX XXXX XXXX XXXX XXXX XXXX need a card to JCP and Ashleys Furniture when i live with my parents. Send me documents that show i opened the account not a copy of a bill because that isn't proof. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After disputing my personal information with Experian the inaccurate address is still showing on my credit report. Experian stats that they can not remove the address because its linked to some accounts that i have also disputed. I have forwarded my FTC report and still have not had success in removing this inaccurate address that i have never resided at. 

My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 the 3 credit bureaus to validate these 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 following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} OFFICE OF THE ATTY GEN XXXXXXXX Balance : {$12000.00}
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Bank account or service

I live in XXXX. .On XXXX XXXX 2015 I visited my grandmother in XXXX. I opened a checking account at TD Bank to deposit a gift she gave me. I received a debit XXXX card as well. It was activated on the spot. I put the card in my wallet, returned home to XXXX, put the card in a drawer and never used it. I returned to XXXX yesterday ( XXXX XXXX ) and opened the bank statements that were waiting for me. Someone had gotten into the account and/or stolen the debit card number and made many small purchases ( the largest was about {$440.00} ) from XXXX XXXX until XXXX XXXX. When the balance in the account reached {$280.00} they stopped using the card. I immediately took the statements and went to the bank. I canceled the card and closed the account. The bank refused to help. They said that before they could investigate they would need a police report. However, they also said that since 45 days had past since the theft, I was over the permitted time limit and it was no longer their responsibility. I filed a police report immediately. It will be ready in about 10 days. I also filed an affidavit with the FTC. I called XXXX and they explained that the 60 day limit only applied to card theft - the card was not stolen and therefore there should be no limitation to the bank 's responsibility. I called FTC again and they referred me to you. 
Please note that I live overseas and would prefer to communicate by email only. Any regular postal mail sent to XXXX XXXX XXXX would require the involvement of my XXXX year old grandmother and I would prefer to deal with this issue myself. Thank you. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

my rights have been violated by XXXX, Equifax, and XXXX on XX/XX/2023 I submitted my Victim Determination Letter along with the rule attached to it along with the list of adverse items to be blocked in 4 days. I received a response that has nothing to do with what i submitted to them and that same adverse information is still parked on my credit without my permission. List of violations are adverse information not being blocked 4 days per the final rule on victims of a severe form of XXXX XXXX debt parked on my report to coerce payment from me, not in agreement with their membership contract to uphold state and federal law.