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

SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSENT AND KNOWLEDGE THEY USE MY ID TO OPEN A APARTMENT LEASE IN MY NAME ALSO CREDIT CARDS WAS ALSO OPEN AND THE PERSON ALSO RECIEVE MEDICAL ATTENTION I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA & # XXXX ; XXXX On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Credit card or prepaid card

Purchased a {$400.00} prepaid card from the company XXXX from a XXXX on XX/XX/XXXX. Checked the balance on their website shortly after I received it, to which it appeared normal. Attempted to use the card the same day on several websites, and card was declined on each one/transaction did not go through. On XX/XX/XXXX ( next day ), attempted to check the balance on the card via their website, only to receive a message saying the website and card is invalid/down. Called customer service on the same day, get through and customer service rep assures me that card is working. Attempt to check balance again after rep says this, website/card is still down. Eventually rep offers the option for them to send me a new card that can be reactivated on my own for the same balance, to which I accept. XXXX assured me that card will be received in XXXX business days. As of the end of the day XX/XX/XXXX, replacement card still has not been received.
Product: Checking or savings account

Several years ago I had an account with US Bank and the account was closed by the bank with a credit of XXXX and I did n't have a forwarding address and never received the money. I do not have a date of this closing.. other than it was probably 10 years ago?? I tried to find a claims for or return funds form and could find it.. It is hard to find what I need because it is very specific..
Product: Credit reporting, credit repair services, or other personal consumer reports

BECU filed a 60 day late payment report, when they received all payments within a 30 day window. This began with my XX/XX/2020 payment. They processed this payment on XX/XX/XXXX and charged a late fee. I included the charged late fee with my normal on time payment which cleared on XX/XX/XXXX. 

Things became stranger when I went in person to pay my XXXX payment as I have had trouble with checks getting processed in time due to an apparent delay in the mail. The teller explained the system shows a late payment of 60+ days yet they saw all previous payments were made and I only owed what I was there to pay. They notated my account and said it should be fixed on XX/XX/XXXX, on XX/XX/XXXX I received a credit score update with a 60 missed payment report and a drop in my credit score of 100+ points. 

This has now affected my lively hood, and taken several attempts to escalate the reporting within BECU. I feel BECU should be fined for falsely reporting misinformation to the credit bureaus and affecting someone's every day life.
Product: Credit card or prepaid card

I have Synchrony card security for years on all my cards. I have filed proper claims for a XX/XX/2023 life event impact claim. I filed it in XXXX. : Benefit request number XXXX, XXXX, XXXX, XXXX, XXXX. The 3 monthly payments have been made. However, the company refuses to payoff the claims under the pretext that I have not provided the documentation needed. I have proof that I have. I provided all documentation requested. I faxed it on XX/XX/2023 to XXXX. I sent it via email to XXXX on XX/XX/2023. I emailed it again to XXXX on XX/XX/2023. I uploaded the documents to XXXX XX/XX/2023, too. I called them on XX/XX/2023 again. I called today, XX/XX/2023, which should be opened, only to be closed after I got an email stating, once again, my documents were not received. This is the part where the company is to pay off the balances in full and reimburse me for the payments. I made payments in XXXX after XX/XX/2023. Their form has been completed with all requested information, The separation notice, the last 2 pay check stubs, my current XXXX payment ( not requested ), State unemployment proof of deposit via bank statement and proof of disbursement from the website, State unemployment bank card, State unemployment benefits received from the State website. 
Today, I get yet another email stating they have yet to receive my benefit form. I provided everything again today, including XXXX
Product: Checking or savings account

Within the past 24 hours my ability to use my debit card has clearly been frozen. I tried to call the number on the back of the card but no options could assist me. There's clearly money in my account and my attempts to use it have been declined by SEVERAL MERCHANTS. THIS ISN'T EVEN THE FIRST TIME its happened. XXXX keeps freezing my debit card seemingly every month or so for no reason .... last time I called and they told me XXXX was a suspected fraud merchant ... .its not. it's XXXX 's entertainment, the XXXX largest employer in the state of Nevada. 

This credit union is frivolously blocking people from accessing their OWN MONEY, for seemingly no reason!
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reflecting on my credit report and is a result of my identity being compromised and used in multiple data breaches. It is also a charge off and the reporting agency has violated my rights per the consumer credit/finance laws.
Product: Payday loan, title loan, or personal loan

: ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX was denied an extension of credit by TD bank On XX/XX/2022 I applied for a TD XXXX 
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code {$1600.00} ( C ) and you assume civil liability pursuant 15 U.S Code {$1600.00} ( K ). XXXX XXXX XXXX XXXX XXXX  has violated my federally protected consumer rights : 1.15 U.S Code 1642 2.15 U.S Code $ 1681M 3.12 CFR 1002 Since the letter you sent me dated XX/XX/2022 is both a proof and evidence that I have been discriminated against, you are also criminally liable.TD Bank should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violation BEST, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.
Product: Debt collection

We bought a XXXX XXXX XXXX through XXXX, using their in-house financing solution, XXXX XXXX. Somewhere down the line, a new provider, Bridgecrest, acquired our loan. 

Since then, they have been texting me about this loan, nonstop. XX/XX/XXXX was the start of the exchange. Each time, the car loan was current with a scheduled payment already in place from a verified bank account with available funds. See below for the transcript. 

Them : Thank you for agreeing to pay {$290.00} on XX/XX/XXXX. If unable to pay, call XXXX. To opt out : STOP. Info provided is part of a collection attempt. 
Me : I don't consent to these kinds of text messages. Our bill is already paid Them : Your scheduled Bridgecrest payment of XXXX will be withdrawn from your bank tomorrow. To opt out : STOP. Info provided is part of a collection attempt. 
Them : Your Bridgecrest payment we discussed is due tomorrow. Call XXXX if unable to pay. To opt out : STOP. Info provided is part of a collection attempt. 
Me : Please stop Them : Thank you for your recent Bridgecrest payment of {$290.00}. Please visit www.bridgecrest.com for full details. For help : HELP. To opt out : STOP.

Them : Thank you for agreeing to pay {$290.00} on XX/XX/XXXX. If unable to pay, call XXXX. To opt out : STOP. Info provided is part of a collection attempt. 
Them : Your scheduled Bridgecrest payment of XXXX will be withdrawn from your bank tomorrow. To opt out : STOP. Info provided is part of a collection attempt. 
Them : Your Bridgecrest payment we discussed is due tomorrow. Call XXXX if unable to pay. To opt out : STOP. Info provided is part of a collection attempt. 

As you can see, they're sending these out without consent, which, even if given ( which, I doubt I had ), had been expressly revoked over a month ago. I am unable to resolve this issue without intervention.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chrysler Capital is destroying my credit score by reporting my lease as late to XXXX XXXX and XXXX XXXX. I made arrangements in XXXX with Chrysler to extend the lease the lease terms due to Covid related financial hardships. Chrysler assured me no negative credit reporting would happen during our length of our agreement. would not be Not only has Chrysler been reporting my account negative but they've also been assesing {$35.00} a month in late fees. I've contacted Chrysler 's customer assistance department and their executive office demanding they remove the erroneous reporting. I have been unable to dispute these reports since the credit reporting agencies do not allow more then 1 complaint against the same company, causing further damage to my credit score. I spoke to Chrysler on following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again today XX/XX/XXXX. I was told yet again today that they have made a mistake but that only the president 's office can remove the negative reporting and that could take up to 90 days, if they actually do it. I want this removed from my credit report immediately.
Product: Debt collection

Barclay Bank Card retained a law firm XXXX XXXX XXXX who brought action against me in a court with no jurisdiction from a city court we do not reside in. My husband was served papers by a process server who was dressed like law enforcement. When my husband told the server that what he was doing was illegal. The process server became argumentative & my husband told him to leave. The server sat in his car in my driveway for over 5 min on the phone. He then peeled out of my driveway striking & damaging my gate & drove off. This happened on XX/XX/XXXX. My husband filed a Police report with the NY State Police on XX/XX/XXXX. I have wrote & called numerous times to both parties & have been ignored! The process serving Co. Paid {$100.00} for the gate, but the cost is {$300.00} for repairs that we have demanded from both the law firm & Barclay Bank to pay the balance. Plus they have violated the FDCPA of using a process server simulating law enforcement, Sued out of court with no jurisdiction, and have failed to report the alleged debt as disputed with the credit Bureaus that I have disputed many times with both parties.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my dispute resolution requests submitted to XXXX, XXXX, and TransUnion on XX/XX/2024. Despite the 30-day timeframe outlined by the Fair Credit Reporting Act ( FCRA ), I have not received any updates or resolutions from any of the bureaus. 

Enclosed are copies of all correspondence and documentation related to my disputes. I respectfully request prompt attention to this matter, coordination with the credit bureaus, and clarification on the expected timeline for resolution. 

Thank you for your assistance in resolving this issue. 

Sincerely,
Product: Checking or savings account

I have been a Wells Fargo customer since 2006 and want to receive the settlement for erroneous fees etc
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. 

Please delete the following accounts : XXXX. XXXX XXXX XXXX XXXX. {$19000.00} XXXX. XXXX XXXX XXXX bal. {$930.00} XXXX. XXXX XXXX bal. {$420.00} XXXX. XXXXXXXX XXXX ball. {$680.00} XXXX. XXXX XXXX. {$27000.00} Please delete the following inquiries : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX Ma XXXX XXXX. XXXX XXXX XX/XX/year>
Product: Credit card

For my XX/XX/XXXX statement, the minimum payment of {$27.00} was due on XX/XX/2017. On the due date for my payment, I made a return to the store and received a credit for {$42.00}, which is more than minimum amount due. I was still charged a late payment fee even though I had made the payment, in the form a return, by the due date. Comenity Bank has refused to reverse the late payment fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

As you probably already know Transunion signs people up for a credit monitoring service. They get you to give them your credit card # under the pretense of getting a free credit score when in fact they are signing you up for their worthless service. The web site hides this information in fine print and is a complete scam.
Product: Credit reporting or other personal consumer reports

During a time period where I was running my credit to purchase a home. There were several things on my credit report that I can test it. Request a certain information be provided of who was validating the accounts. I never received any information on who was validating the accounts only receive letters in the mail stating that the accounts have been verified by addresses and socials. Certain information was put on my credit by identity theft police reports have been made and still have not received the proper information or ways to receive the information requested.
Product: Credit reporting or other personal consumer reports

In accordance with 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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

I had used a company named Sezzle for purchases and made payments back to this company then I get notification from XXXX XXXX I had a late payment to sezzle I filed a dispute with XXXX. I also emailed Sezzle and provided XXXX my payment history. They took it off my credit report next its reported again so I filed another dispute for XXXX and XXXX they found it was misreported and took it off. I paid off the remainder of the loan. I emailed with Sezzle customer care and they stated someone else used my email and the account belonged to someone else and I asked it be closed> So on XXXX I get a letter from XXXX stating i am 120 days past due and then it shows paid in full. I have never been deliquent on this loan and I also filed a police report I have been an identity theft victim in the past so I think the other persons account may have been reported on my old sezzle account this account is paid in full. I called XXXX on XXXX at XXXX est and filed another dispute on this matter. I am filing a complaint to get this off my credit I always paid this company and then paid it off in full. I try to call Sezzle with no luck and yet again sent another email to them regarding them misreporting on my credit report. I also made another police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I mailed in dispute letters to XXXX, Transunion and XXXX. Regarding inaccurate information and clear violations of the FCRA 1681 AND 1681b I never gave any of the companies listed above WRITTEN CONSENT to furnish any of the accounts or information I'm disputing. This situation as cause me stressed and is slowing down my process of getting a home. Also I am a victim of the XXXX  data breach. Its been over 45 days and i have not gotten any results.
Product: Credit card or prepaid card

On Tuesday, XX/XX/XXXX, I received a credit monitoring alert that a new Credit Card Account had been opened under my name from Fortiva. The same day an envelope came in the mail containing a Fortiva credit card. I never applied for this card, nor do I want it. I never applied or requested this card, and the only time Ive ever used this company was years ago for a XXXX payment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX/VETERANS XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$290.00} Status Collection account. {$290.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$220.00} Status Account charged off. {$220.00} written off. {$220.00} past due as of XX/XX/XXXX. 

FCRA violations : payments never late XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$290.00} Status Collection account. {$290.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$220.00} Status Account charged off. {$220.00} written off. {$220.00} past due as of XX/XX/XXXX. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type - XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type - XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted numerous complaints stating tranunion didnt complete an investigation within 30days of me sending certied letter to verify fraudulent data ln my credit file. This is violation of my frca rights. I would like these incorrect files to be deleted or show proof you completed investigation within 30days
Product: Debt collection

I filed for a XXXX  XXXX Bankruptcy back in XXXX and included a Navy Federal credit card with a XXXX balance. The credit card was included and discharged in the XXXX XXXX bankruptcy. Since the bankruptcy, Navy Federal has continued to try and collect the credit card balance and continues to put the balance on my credit reports, as an owing debt in order to harass, and lower my credit score. This harassment has been ongoing since XXXX and I was finally informed to contact this agency for assistance. This debt is also over seven ( 7 ) years old ( no payment over 10 years ), and they continue to put it on all three ( 3 ) credit reports to abuse, harass, and destroy my credit. Please assist.
Product: Debt collection

I contacted this company in regards to a debt that appeared on credit report. The agent advised the debt was from 2016. I was not familiar with the debt. I attempted to work with the agent to settle the debt even though I do not recognize the debt. The agent ( s ) were not working with me despite my financial hardship. I requested a validation of debt from this company which has not been received.
Product: Mortgage

I had added so much extra $ to principal I am 8 months ahead. 

OnXX/XX/XXXX I tried to make my regular payment on line but I could so I called to find out why. 
The girl said it was because the loan was almost paid off so she would have to do it on her end. After some research on her end she came back and told me an amount of {$1900.00} so I said fine and she put it into the system and it got paid. 

Later that week I received a payoff statement for the amount of {$5800.00} in the mail. This was an incorrect amount so I called them. I got no help immediately but finally got to a supervisor who saw it was over {$1500.00} higher than it should be and she said it would be corrected. 

I didn't receive any thing new so on XX/XX/XXXX I called in to make a payment again. The girl said she didn't know how to handle this so she transferred me to another supervisor. She suggested I just make my regular payment ( {$2600.00} ) since there was some confusion and she would have another final statement sent out. I made the full regular payment as she suggested. 

I received a final payment statement and wired the {$1400.00} as was asked for prior to the date asked and paid the loan off in full. 

The problem is because I didn't pay the {$5800.00} wrong amount on the payoff they sent out after I made the XX/XX/XXXX payment the are some how showing me 60 days late. I need to refinance because of a recent divorce in a limited time and I cant talk to anybody in the credit department. I have spoke to one supervisor XXXX ( XXXX ) XXXX XXXXwho has tried to help but her hands are tied. I also talked to an XXXX XXXX ( XXXX ) XXXX XXXX who said he could see where it was incorrect and would do his best to fix it The fact the are reporting this wrong could cost me my house. 

I paid every payment I was told to pay when I called in They no the final statement for XX/XX/XXXX was in the wrong amount and they don't care. I called in and spoke to them every time I made a payment and THEY gave me the amounts and said everything was fine, I don't have 30 days to fix this and they don't care. I could lose my house because I cant get this fixed. 

Even if they just took the 60 late off the report till they figure it out it would be fine but they wont even do that They dont care.
Product: Credit reporting or other personal consumer reports

I am having an issue of getting my free annual credit report XXXX, XXXX XXXX and Lexis. I am entitled to an annual free credit report.