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

There is an inquiry on my XXXX  credit report posted in XX/XX/2019. I am unaware of this inquiry and did not attempt to open a line of credit with this store/company. Ive tried to reach out to Old Navy and XXXX  and with no help have had no luck. I spoke to a representative from old navy in XXXX and was told it would be removed. The said they would send me proof and I have yet to receive anything. XXXX  and Old Navy have refused to do anything. I did not attempt to open or establish a line of credit with this company.
Product: Checking or savings account

There was a transaction on my Chime checking account for the amount of XXXX at XXXX that I did not authorized or approved on XX/XX/22 at XXXX am EST. I noticed the alert of this on my notifications and I immediately called Chime Bank and I informed the company of the fraud that was committed on my account. They informed me that there was nothing they can do about it until the transaction was no longer pending. Today, XX/XX/22 at XXXX am, once the transaction cleared, I filed the dispute. Not even an hour later. I received an email back from the dispute team stating that it wasnt any error made. I called the company back and asked to speak with a supervisor who verified the fraud who told me he escalated the dispute and asked for my account to be credited. After speaking with the supervisor. I grew weary of not seeing an update on the dispute and I called the company back in a few hours and spoke with another supervisor who stated that they were the only person to speak with and that the fraud was a correct charge. I have noticed that this has been happening for years with other former Chime Bank members and decided to remove the remaining amount of funds from both my Chime checking and saving accounts. They prevented from transferring the funds to my new bank account.
Product: Debt collection

I would like to file a formal complaint against XXXX XXXX XXXX. XXXX XXXX, XXXX, FL XXXX. XXXX XXXX has violated my rights as a consumer by failing to provide validation of a debt at my request and continuing to report the disputed debt to the CRA. The Original creditor for the alleged debt is XXXX in the amount of {$1000.00}. Ive sent a total of three certified letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX requesting proof of the alleged debt, complete detailed history of all transactions ( including payments, credits, returns, etc ), contract bearing my personal signature, proof of my identity ( copy of drivers license/social security card ), and any other intimate details that they may have pertaining to the account. I expected to receive a response from XXXX XXXX within 30 days of each letter submitted. However, my requests were ignored I am aware of my consumer rights as indicated under both the FDCPA and the FCRA. Reporting inaccurate information to the credit bureaus is causing damage to my score and character. Im using the Estoppel in my defense ; XXXX XXXX had a duty to respond to my request on three separate occasions within 30 days but failed to do so. I still to this day haven't received any sort of correspondence to my request. By receiving no feedback, or requested validation Im left to assume XXXX XXXX are in agreeance that this debt is false.
Product: Credit reporting

Current Information on TRANSUNION CREDIT report is Incorrect These account are not mind and would these credit report TRANSUNION to provide my with how account are mind. I need proof in writing that TRANSUNION has the right to REPORT this INCORRECT Information. 
XXXX XXXX Other XX/XX/XXXX Closed {$0.00} Account Details Last Reported XXXX Creditor Name XXXX Account Type Telecommunications / Cellular Account Status Closed - Paid Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$610.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XXXX Amount Past Due $ 0 Times XXXX Days Late XXXX Latest Status : Collection/Charge-Off no payment history has been reported by this creditor. 
Creditor Contact Details XXXX XXXX XXXX, MN XXXX ( XXXX XXXX XXXX Credit Card XX/XX/XXXX Closed {$0.00} Account Details Last Reported XX/XX/2017 Creditor Name XXXX XXXX Account Type Secured Credit Card Account Status Closed - Paid Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$300.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$410.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due $ 0 Times XX/XX/XXXX Days Late XXXX Remarks Payment after charge off/collection Dispute resolved ; customer disagrees Payment History Latest Status : Collection/Charge-Off No payment history has been reported by this creditor. 
Credit Utilization* 0.00 % Creditor Contact Details XXXX XXXX XXXX XXXX IA XXXX XXXX _____________________________________________ XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Closed {$0.00} Account Details Last Reported XX/XX/XXXX Collection Agency AD XXXX Original Creditor 12 XXXX 69 Status Closed Opened Date XX/XX/XXXX Closed Date -- Responsibility XXXX XXXX {$0.00} High Balance {$300.00}
Product: Student loan

XXXX XXXX XXXX, in conjunction with Sallie Mae, used predatory practices, so I would enroll and take out over {$64000.00} in private student loans. They took advantage of my family 's lack of knowledge of lending and the education system to make me feel like enrolling and taking out loans was not a high-risk because of the success rate of their students.

I was XXXX  from the fall of XXXX through summer of XXXX. 

While I don't have documentation because most of these tactics were used over the phone or in person in the admissions office, there are many law suites proving their preditory practices. They told me that their degrees had the same accreditation as XXXX XXXX. They also lied about the success of their graduates and their starting salaries. 

My federal student loan was recently refunded because of their egregious behavior. 

They sold off one of my loans to another creditor. I did not receive notice of this, and when I contacted Sallie Mae to make sure this other company trying to collect wasn't a scam, the employee couldn't find any documentation of this. The company they sold it to looked about as fraudulent as they came. Finally, once we were on the path to their fraud department, they finally found it.

Sallie Mae has been so predatory that I have ended up in a XXXX XXXX XXXX XXXX XXXX XXXX. They would relentlessly contact me and people who have nothing to do with my finances.
Product: Student loan

I have disputed this collection numerous of times they have yet to produce any of the information that I ask requestion through the 3 credit bureaus they always say updated information but it never confirms the accuracy of this charge no documentation has ever been giving to me or anything Im just being billed I dont even know the terms because I havent been giving any please remove this from my report it shows multiple inconsistencies certain dates say paid on one report than on another it says late this is in violation of my fcra.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX & XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Product: Credit reporting

I have asked the credit reporting agencies XXXX Equifax to remove a trade line to inaccurate reporting. I have tried several times, NO ONE is listening to me. The incorrect trade line is still there. This is not fair treatment. I have disputed a collection agency /hospital bill for over a year with an insurance company. The bill was paid in full three years ago. The bureau continues to report as paid in settlement less than the full amount after numerous times of advising this information is not true. The collection agency XXXX XXXX XXXX now XXXX stated they ca n't change the bureau, the bureau will need to remove the tradeline as its reporting in error. The agency is stating they have reported all the correct information. I have complained to supervisors, they sent me a letter confirming, paid in full. I feel that I am being ignored and this is affecting my personal life and impacting my credit rating. The hospital, XXXX is at fault for sending my account to a collection agency while I was paying, the collection agency XXXX XXXX XXXX is at fault for initially reporting inaccurately and the bureau 's, XXXX and Equifax are is at fault for continually reporting this inaccuracy. I want this trade line removed. I have submitted several complaints. Thankfully XXXX XXXX listened and removed the trade line. Will some one please help me get this resolved.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent. 

PLEASE BLOCKED AND
Product: Checking or savings account

Save is pulling a bait and switch. They promise significant returns on investments but do not deliver. Then they penalize you if you want to withdraw your funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I submitted an application to lease a house in XXXX XXXX FL. As part of the application, I agreed to a background and credit check. On XX/XX/2018 a credit/background check was conducted as part of the application. The inquiry into my credit history was a " hard '' inquiry vice a " soft '' one. This type of inquiry is not warranted for a just leasing a home. This type of inquiry is normally reserved when one requests credit in the form of a mortgage, credit card, loan. The information obtained, could have easily been done with a soft inquiry. The difference between XXXX and XXXX is now 22 points. Prior to the hard inquiry, they were the same. I called the company to ask why, and even after discussing the difference between hard and soft inquiries, they simply stated " we do hard inquiries '' They need to stop doing this, and immediately restore to my credit rating.
Product: Mortgage

Nationstar Mortgage bought my mortgage from XXXX Mortgage in the XX/XX/2014. An error was made in the handover. Nationstar began writing, texting, calling, and emailing me about only making a partial payment. No matter how hard I tried, Nationstar insisted I pay the remaining balance. They even said they conducted an internal investigation and determined positively I had only made a partial payment. Finally they said they were sending a letter to the credit companies as I was in arrears. At that point I contacted XXXX Mortgage and explained my problem. They assured me I was on time with all of their payments to them and they would contact Nationstar. A short time later a man purporting to be a Nationstar Vice President called and apologized for their error and harassment. I told him I was concerned about my credit score. He assured me no notice had been or would be sent to the credit companies. I recently was turned down for a XXXX XXXX credit card because of my credit. I downloaded a XXXX credit report. It contained a negative report from Nationstar saying I had been 30 days late with a payment. I contacted Nationstar. They sent in a correction. I am appalled they can adversely affect my credit irresponsibly and I can not get the XXXX XXXX credit card. Can any action be taken against Nationstar, for example a fine or adverse report on their record? My Nationstar loan number was XXXX. I have since sold the property and paid off the mortgage. My name is XXXX XXXX. My address is XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX. Phone is XXXX.
Product: Prepaid card

I bought couple of Amex XXXX XXXX from online marketplaces which has CVV and expiry date and balance dollar values. I clicked the amex link to validate and print the card, which loads on https : //balance.amexgiftcard.com/ # /account and shows a balance. I attempt to use this many websites which accepts Amex cards And the transaction is declined. I then tried again with various other amounts less than the full face value. 

Many people have reported having this problem starting this past year. This is supposed to be accepted anywhere which accepts American express cards since it has loaded actual cash value.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I have submitted my FTC report to the company and they still have not removed unauthorized inquiries on my CREDIT report XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPT OF ED/NELNET- Account numbers XXXX and XXXX are reporting inaccurate on my credit report. I completed the Rehabilitation Program and ALL default is to be removed from my credit file. These accounts are still reporting delinquencies. XXXX and XXXX  have corrected this account. Theses errors need to be corrected right away or delete these accounts off my credit reports.
Product: Debt collection

This company is reporting fraudulent inaccurate information to my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review if this is actually an account that belongs to me.
Product: Mortgage

PennyMac continues to violate my rights under the CARES Act concerning forbearance requests due to hardship experienced as a result of the XXXX XXXX. According to lenders guidelines found at the Consumer Financial Protection Bureau 's website ( https : //files.consumerfinance.gov/f/documents/cfpb_csbs_industry-forbearance-guide_2020-06.pdf ), " servicers can grant CARES Act forbearance periods for less than 180-days at the borrowers request or with the borrowers consent. However, servicers must default to the term requested by the borrower ( not to exceed 180 days XXXX if the borrower and servicer can not agree on an appropriate forbearance length or communication with the requesting borrower is not possible under the circumstances. '' PennyMac offered me only a 1-, 2-, or 3-month forbearance extension. PennyMac never granted me up to 180 days as I requested. I never consented to less than 180 days of forbearance. PennyMac 's representative XXXX refused to grant my forbearance request until I consented to 1 month, 2 months, or 3 months. After approximatley 40 minutes of PennyMac 's refusal to grant my forbearance extension, I was transferred to a supervisor. The supervisor ended the call and did not grant my forbearance request because I was recording the call and he did not consent to the recording. I called from Texas which does not require two-party consent to record. I asked the supervisor if he would be willing to call me from an unrecorded line ; he said no. I will not speak to PennyMac representatives/supervisors without recording my calls because they record on their end and their actions should be recorded to build up additional evidence of their refusal to comply with the CARES Act. After approximatley 50 minutes total of talking with PennyMac, my request for a forbearance extension was not granted despite me requesting an extension and attesting my continued hardship as a result of XXXX. I intend to file a congressional complaint and seek assistance from a federal court. The recording of my call exceeds the XXXX XXXX  maximum for attachments but I will make it available upon request.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity. The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities. 

Collection/Charge Off : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Late Payment XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX, MI XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX ( es ) : XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX Employers : XXXX XXXX Employers : XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX
Product: Credit card

I have a credit card from capital one so in XXXX 2014 I made XXXX dollars over payment to my capital one credit card by mistake after one week I recieve e mail from capital one told me in 7 to 10 buisness days I we 'll recieve my money back by check but I never recieve it I call the bank the told me we not gon na send u that money because ur account it 's restricted I do n't know why I said if u want to close my account send me my over payment money the told me u have a credit balance in ur card but we can not send u the money the ask me to send some document and after that the said we can not send the money I went to court to make a small claim the told me to go to this website to make a complain
Product: Debt collection

This complaint stems from an alleged debts that appears on my credit report as XXXX XXXX XXXX. See Attached. I have no contractual relations with this company and they are on notice that reporting information without my consent is punishable for defamation and trespass on person. See Attached notice.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of negative entries related to an auto loan from Santander Consumer USA Inc. Santander is reporting information to my credit report that contains inaccurate and harmful information. 

I am a victim of Santander 's predatory lending practices, which have been the subject of a comprehensive class action settlement. Santander reached a {$550.00} XXXX settlement with the Attorneys General of 34 states and the District of Columbia due to its unfair subprime auto lending practices ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) ( Attorney General ). The settlement mandates substantial consumer relief, including the cancellation of outstanding debts and the rectification of affected consumers ' credit reports. 

Key points of the settlement include : Debt Forgiveness : Santander has agreed to cancel approximately {$430.00} XXXX in car loan debt for high-risk consumers who defaulted between XX/XX/XXXX, and XX/XX/XXXX. 
Restitution : Compensation is being provided to affected borrowers. 
Credit Reporting : Santander is required to rectify any negative credit reporting resulting from these predatory loans. 
Given these points, I request the following on behalf of my client : Immediate Removal : Delete all negative entries related to the Santander auto loan from my clients credit report, including any late payments, defaults, or other adverse notations. 
Confirmation of Deletion : Provide written confirmation that these negative entries have been removed from my clients credit report. 

I have already suffered significant financial hardship due to these unfair lending practices. Removing these inaccuracies from my credit report is essential for restoring financial stability and ensuring that their credit history reflects accurate and fair information. 

Communications with Santander have spanned over 8 years with no resolution or relief.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately : 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

Account Name : US BK XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my Credit Report. 


Account Name : XXXX/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my Credit Report. 


Account Name : XXXX/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my Credit Report.