23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

As per the FCRA, I am entitled to a True and correct credit report, something I havent had for years since the Credit Bureaus have Repeatedly Failed to Correct the items or simply have not responded at all. I am becoming more and more disadvantaged as a XXXX person due to this. I have been deprived the opportunity to fully utilize or benefit from my true credit. Which is Unfair to me. 

I reached out to the Creditor During the Covid Pandemic to let them know I'd lost my work and source of income during the Pandemic. I was denied the removal of these lates during a time when the Creditor knew I was unemployed. As per the Cares Act, Lates which resulted from the Covid 19 Pandemic were actually forgiven during that period. 

The Creditor Did not honor this and continued to mark my account as derogatory which they later FROZE and made unusable once I paid it off. I wasnt warned about the freeze when I made the arrangements to pay, even when I made arrangements to repay the account I was marked as Late and derogatory. 

Which shows the creditor was not Compliant with the Cares Act resulting from the Covid-19 Pandemic.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$0.00} Charged OfXXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance : {$46000.00} Collection XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$1500.00} Late/Open Inquiries in Dispute : XXXX Date of Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXXate of Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Date of Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX 2024
Product: Checking or savings account

US Bank charged my checking account overdraft fees totaling {$2400.00} from XX/XX/XXXX through XX/XX/XXXX, many of these fees are the result of charging an overdraft fee multiple times on the same transaction, or they are the result of changing the order of transactions after the fact.
Product: Debt collection

American Credit Acceptance has " closed '' and " written off '' XXXX  and has not sent me a form 1099-C as of XX/XX/year>. I am asking for my 1099-C or that this debt will be totally removed from my credit report with all three bureaus. This is considered fraud, I will report this to the IRS and file a lawsuit. I have sent this company a certified letter with no response.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appear on my credit report even after your investigation. This account was opened XX/XX/XXXX. There were on time payments made on this account all the until XX/XX/XXXX. Thereafter, there were absolutely no activity nor payments made to the account. You records indicate a repeat charge-off from XX/XX/XXXX until XX/XX/XXXX. This falsely manipulate the stature of limitations in which the account is due to be removed indefinitely according to the Fair Credit Reporting Act. I demand that this account be removed immediately. 

XXXX XXXX XXXX XXXX
Product: Student loan

I attended and graduated from the school in XX/XX/XXXX. I have nothing against the intructors or the corriculum, just against the false pay after graduation and the high interest loans that were so easy to get and required.

My personal problem was that i was an addict and did not touch these loans for almost a decade. Since getting into programs and getting back into society for 2 years i have made it my primary goal to pay debt and get credit and savings to the point of being able to afford to buy a home for my XXXX year old boy and i to call home. 
After contacting my creditor Naviant i was put on a year long probation period by making monthly payments of low cost but impact on principal or interest to my federal loans ( roughly {$16000.00} from original $ XXXX-mostly private ). 1 year later i am thinking that my getting back on track on my federal but Naviant calls and says that they accidently forwarded my payment to my private loans. What?? I thought Naviant was only working my federal. so apparently the fixed the problem and i was back on track. Now I was told that I had to start chipping away at my Private loans which was another 3rd party ( XXXX XXXX XXXX  ). 
Long story short, they Like Naviant said they were very glad i was clean and they were excited to help me get back on feet with my credit. They even offered a settlement for my {$190000.00} debt ( originally XXXX ) for {$20000.00}, which i probably would of done if I could of found a buyer for my XXXX organs. Lucky me, I didn't. 
My interaction with XXXX XXXX XXXX  started this year in early XX/XX/XXXX and lucky for me this was when I also started school after 15 years of leaving college for this culinary school. This school ( XXXX XXXX XXXX XXXX ) i found out more about fixing credit. This is a non profit school where XXXX ( counselor ) took interest in my case since she new that XXXX XXXX XXXX had been closed in multiple states by Attorney Generals. Also the school had closed most of its schools around the world for only giving fraudulent loans and overselling the cost of school as well as making it almost impossible for repayment while working in the trade we were in debt for. 
After searching, we found out that the school had currently settled 2 years prior and agreed to repay loans and erase negative impact to credit bureaus.

I currently am still paying federal since it is now on my credit report and i still plan on buying a home. But I do not plan on doing the same mistake with my private loans even with all the calls they do since there are no signs of them in my credit report.

Well I hope i can get help, or at least direction of where I should go for help.

Thank you, Recovery
Product: Mortgage

My mortgage application fell through because of this company 's negligence and incompetence. Their loan process, where multiple people sends and asks information online ( repetitive often times ), and ignore customer 's comments and questions. Few days to closing, this company stated their concern about the source of my funds and had to decline my application unless my wife is included in the loan. This is three days  before closing! The funds source was mentioned early on the application and I have been transparent with them and responds on time. If they actually paid attention to details and did their due diligence, it would not have reached this point. The customer is at the losing end and this company should be at fault and be held responsible. The manager and  the customer representative, XXXX XXXX and XXXX XXXX, were not as apologetic as they should be. 

I should have taken seriously the complaints against this company by numerous customers as seen in different review websites so I would have not been a victim myself. 

Consumers should be warned not to do business with this company and the government should also take a close look/investigate as to how this company do business.
Product: Credit reporting or other personal consumer reports

XXXX companies filed hard credit reports on my credit report that I did not make. 

XXXX. Regional XXXX on XX/XX/2023 filed a XXXX  credit when it should have been a hard credit. I would like this to be investigated. Phone XXXX XXXX or XXXX XXXX. XXXX XXXX XXXX on XX/XX/2023 filed a XXXX  credit when it should have been a XXXX  credit. I would like this to be investigated. Phone # XXXX. 

I have tried to call and get this fixed, but I can't get anyone on the phone. Thank you XXXX XXXX Phone Number XXXX
Product: Credit reporting

Please be aware, that your question : [ " Have you disputed the issue with the credit reporting company and received a final response? ] [ Yes ] [ No ] is flawed, in the fact that I HAVE disputed the issue with the credit reporting agency, but they HAVE NOT, provided a final response in over 42 days, therefore it is not possible to select a proper answer on your form. Please continue below ... 
XXXX XX/XX/2016 I logged into my XXXX account and discovered an inquiry on my credit report that was not authorized by me. The date is from more than a year ago. After doing some research, I discovered that this inquiry is from XXXX, and I found out that many many other consumers were also reporting this same unauthorized activity and there are endless articles found all over the internet regarding it. 

I immediately filed a dispute online with Experian on XX/XX/XXXX. On XX/XX/XXXX, I received ONE computer generated Email from Experian claiming that the investigation is still ongoing and should be completed by XX/XX/XXXX. Well, Today is now XX/XX/XXXX and there has been no resolution, no further contact, and absolutely no way to contact Experian other than by writing an old fashion letter and paying the postal guy to deliver it. Nonsense. 

There is plenty of public evidence circulating around that proves that this is an unauthorized XXXX inquiry. Experian has still NOT removed it, nor even bothered to do their job and follow up with the results of the investigation. I am not on my home computer at the submission of this complaint, and can provide further documentation upon request.
Product: Bank account or service

On XXXX XXXX, 2016, I Cashed a personal Chase check at XXXX XXXX XXXX XXXX Chase Bank. I have been a Chase member for many years. I currently own a Mortgage, Checking, and Saving Account with Chase Bank. 

This specific branch treats XXXX customers differently then XXXX XXXX customers when seeking and receiving bank services. Customers of XXXX race are specifically targeted with indifference, suspicion, dislike, when seeking or receiving bank services. 

Regularly, XXXX are intentionally denied bank financial services, because of their race. This is a prioritized business practice, by this specific Chase branch. 

XXXX bank customers are treated with great respect and superiority in comparison to XXXX bank customers.
Product: Money transfer, virtual currency, or money service

I was doubled charged on my debit card for a purchase I made 15 days prior which I paid in full, I've already had overdraft fees and charges refused on my account from auto-pay accounts that I have. This is a problem that the company has been aware of and has taken no steps to protect their customers.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer report on XX/XX/2023 XXXX noticed inquiries and wrong addresses on my consumer report. I filled out an FTC report explaining what happened and when I noticed these inquiries.I also noticed XXXX open installment accounts reporting. I contacted XXXX, Transunion, and XXXX to notify them of the fraudulent activities. I also asked to place a fraud alert on my consumer report. I also contacted the creditors and the creditors told me to contact the credit report agencies to notify them. I have attached my consumer report including my FTC report and my passport as my identification.
Product: Credit reporting or other personal consumer reports

Applied and was approved for an auto loan with XXXX XXXX XXXX XXXX. Upon going to dealership I went with dealership loan and notified bank. Bank instructed me to returned check which I did. However 6 months after I get a notification on my credit report from Transunion that its been added to my credit report. I called Transunion who expressed to call the bank because the info was verified from them. I called XXXX XXXX  who before XXXX  the check was sent back and cancelled but are instructing me to call the credit bureau. So at this point the vendor and the bureau are pointing fingers at one another. However it needs to be removed.
Product: Credit reporting or other personal consumer reports

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. 

Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting this fraudulent account. 



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

Someone has stolen my identity. I called the credit reporting agencies letting them know the inquiries and accounts are unauthorized/ not supposed to be visible on my consumer report. Never gave them permission or consent to report these unauthorized accounts. This is Aggravated Identity Theft
Product: Debt collection

I hope this letter finds you well. I am writing to you regarding the late payments reflected on my credit report. After reviewing my credit report, I noticed that there are several instances of late payments listed, and I would like to request their removal. XXXX XXXXXXXX
Product: Debt collection

The account is over 7 years old, discharged please remove from credit report.
Product: Credit card

I opened an account to collect cards from my clients for my services, supposedly with Square, if I requested a card I would have the money available the same day, the client showed me his bank account where Square already collected the money but it has been several days and they have not deposited my money and they blocked all my accounts and I no longer have access to anything or talk to them.
Product: Mortgage

We send paper work did not send any answers since 15 days ago they said underwriting.
Product: Student loan

Followed a link for a company that claimed to be a education loan servicing company. They took my information and accessed my accounts. the company is named EDULOANSERVICING and claims to be based in California
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX HAS SOME ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MINE AND IN VIOLATION OF THE FCRA. 
ACCOUNTS- XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX   XXXXNOT MINE XXXX XXXX XXXXXXXXNOT MINE XXXX XXXX   XXXXNOT MINE XXXX XXXX  XXXX XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXXNOT MINE XXXX XXXX XXXXNOT MINE XXXX XXXX XXXXNOT MINE XXXX XXXX XXXX   XXXXNOT MINE
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX reporting that I have missed XXXX payments since XXXX, and have a {$200.00} balance. I have called and verify that I havent missed a payment and am in good standing, and was told that I would have to contact each of the credit individually to fix this error in reporting.
Product: Payday loan, title loan, or personal loan

On XX/XX/2017 I applied for a personal loan product with PNC. My application was denied at the time I had a XXXX XXXX  Score been working with the same job for three years, not in debt, and only had one credit card. I called and complained, my application was wrongfully denied because to me I'm a well qualified applicant. After not receiving the answers I was looking for I proceeded to ask how to go about removing the inquiry as a goodwill gesture since my application wasn't approved they told me to send in a detailed letter which I did and to wait for a response. PNC never responded to me, I called in to see what was the pending status of my request. After calling and calling I was told that the inquiry wouldn't be removed even though I did exactly what they asked. Mentioned by the last CSR I spoke to even though I may be a qualified applicant because of the banks " Conservative views '' my application wasn't approved.
Product: Credit reporting or other personal consumer reports

I 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 are 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 your reference. My credit report contains fraudulent ACCOUNTS and 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 Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. ACCOUNTS : XXXXXXXX XXXX Number : XXXX
Product: Credit reporting

Credit reporting agencies reluctancy to remove negative reports from my credit report, these items were paid in full, and yet the Equifax shows these items as charge-offs. I have attached supporting documentation as proof of payment.
Product: Credit reporting

I have found myself in a difficult situation since someone stole my identity. I feel I have exhausted all my efforts and need additional help. I have submitted to each of the credit bureaus a copy of both a police report, my identity theft affidavit, and a copy of my personal information i.e. my drivers license, copy of my passport, and my social security card. Additionally, I sent in a letter disputing the inaccurate information and got no response at all. It has now been over 30 days and I have yet to hear any response from them regarding the matter. I am now submitting a complaint to request additional help in rectifying the situation. I know the credit bureaus are each in violation of federal statute, and the only request I have is for the fraudulently reported information to be removed and blocked so that I am no longer affected by it. It has been interfering with me being able to get credit, gain additional employment, and hindering the quality of life I deserve to live.
Product: Credit card or prepaid card

I received a phone call from someone stating that there was a suspicious charge on my Amazon account.They said that someone had charged a new XXXX  to my account in the amount of {$1400.00}. I checked with Amazon and no charge had been made. When I asked the individual on the phone if this was really Amazon they hung up. 
The call was from XXXX XXXX XXXX XXXX. My phone stated it was from XXXX, California.
Product: Payday loan, title loan, or personal loan

I was approved for a loan in XXXX of XXXX. The term was two years. My final payment was due XX/XX/XXXX. I made several attempts to make the final payment via their website and I received an error message. Afraid that resubmitting my payment would cause double the amount to be withdrawn from my checking account I logged off. I waited a few days to see if the payment would go through. I logged on again XX/XX/XXXX and not only did I get the same error message but now I see there's a late fee! I called their customer service line and was left on hold for 6 minutes the first time, 10 minutes the second time and I waited 10.5 minutes the third time when one of their agents suddenly disconnected the call. I believe this is Upgrade 's attempt to charge me additional fees and to negatively impact my credit.
Product: Debt collection

I receive several calls a day from XXXX for no reason. XXXX reveals that they call people several times a day to harass them about collections. My phone is setup to reject their calls by allowing only a single ring so I never talk to them. Even so I get several calls a day 7 days a week. As for collections, my credit is perfect with no reason to be getting any calls from collection agencies such as XXXX. 

Any help with stopping such calls would be appreciated. 

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

I have an account that seems to me is a bank account closer and its negative in my credit report. XXXX XXXX XXXX in XXXX
Product: Credit card or prepaid card

Hello Citi Executive Response Unit, Please reconsider your investigation, as ALL points that you have stated in your reply are false. 1. " The card was sent to your valid address '' - the address you are referring to is fraudulent and I never lived there. I know what address you state from the initial credit report I obtained after discovering this issue. Plus in XXXX I've been living and studying in XXXX XXXX a country in XXXX XXXX which is proven by docs attached to this complaint. I can provide you with my diploma if you need. 2. " Statements were sent to your valid address '' - What address? If the same address that you state in the 1st point - that is not my address and never was and I have never received any statements from you on any addresses in the US where I lived after I reentered the country in XX/XX/XXXX. 3. " Payments were made from your valid checking account, which has not been identified as being fraudulently opened '' - If you have a checking account opened in my name in your bank - it is also fraudulently opened and needs to be investigated. I've never opened a checking account with guys. And again no one from your team contacted me to investigate this case. Even though your support said that the investigator will reach out to me. I am a victim of identity theft, and it is not my fault that the security of your bank works badly and lets criminals open accounts in other people 's names. Instead of helping out to fix this and investigate solutions to avoid anything like this to happen in the future to other people, you guys continue harassing me. Please stop, otherwise, I'll need to go to court to defend myself. 

Attaching your reply to this case. 

Thank you, XXXX.
Product: Mortgage

This is follow up complaint previously submitted on XX/XX/2020 ( XXXX ) against Nationstar Mortgage ( dba Mr. Cooper ). Unfortunately, you have closed the previous complaint without any resolution. I spoke to your staff around XX/XX/2020 and he agreed that the issue on my complaint has not been addressed by the respondent and I've been advised to submit another complaint or seek legal counsel. I am taking this route for now. 

On XXXX XXXX, 2020, I sent an an email to Ms. XXXX XXXX, the respondent of the complaint from Mr. Cooper company to follow up if she can address the issue on the complaint, but to date, she has not responded. In that email, I explained to her that I was overcharged interest when they closed my mortgage after a refinance. Prior, I had been paying my mortgage regularly on the XXXX of the month, which in this case, last payment occurred on XX/XX/2020. Our refinanced mortgage through XXXX XXXX XXXX XXXX closed on XX/XX/2020. Mr. Cooper charged me interests for the whole month of XXXX. I believe I should have only be charged interest from XX/XX/XXXX to XX/XX/XXXX. There was no other arrears involved because I had never missed nor delayed any payments..