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

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' CAPITAL ONE XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card - Bureau Code : Individual Individual Individual Account Status : Paid Paid Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$720.00} {$0.00} {$500.00} Credit Limit : {$500.00} {$500.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Unknown Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Payment after charge off/collection Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber. 
Account legally paid in full for less than the full balance. 
Consumer disputes this account information Settlement accepted on this account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year 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 CO XXXX XXXX XXXX XXXX XXXX OK OK XXXX XXXX OK OK XXXX OK XXXX OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX OK XXXX XXXX OK OK RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Payday loan, title loan, or personal loan

I have had a XXXX balance with this company and they charge interest on a XXXX balance loan
Product: Checking or savings account

CHIME this scam of a company, put my account on hold without letting me know. Now they want a picture of my social security card that I as a victim of fraud am not obliged to give them and they want my social its a violation of FCRA! They put my account on hold and holding my money I have insurance Ach and other ACH that if they will bounce they will be subject of lawsuit. You have to stop this mafia! I gave them federal ID plus my bank statement! Now they dont have the right to ask me anything, when I opened my account nobody wanted any of these documents. Im on the line with them for 1,5 hours they dont answer the phone, dont respond to emails only after 3 days!!!
Product: Student loan

I went XXXX XXXX and finished with an XXXX and XXXX. I became severely I'll with a XXXX XXXX causing XXXX  XXXX. I took a private loan from XXXX as a last resort to pay for my final semester as the Federal loans were denied. XXXX XXXX XXXX XXXX ended up closing my bank account with my social security and SSI / XXXX payments and my bank account is shut down I have no access to my bank account and am occuring {$34.00} overdraft fees everyday and don't have money to pay it off. I have been paying student loans and made a large payment of {$1000.00} two-three months before account was shut down and {$150.00} a month on Federal loans since then. I wasn't served properly and never knew there was a lawsuit against me. XXXX XXXX XXXX the attorney filed suit in southern California when I live in northern California. I've lost XXXX XXXX from stress grinding them at night as I cracked the roots. I have had to secure counsel to help with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

Hello, I was lured by XXXX XXXX during my last semester at XXXX TECH to join them for a Bachelors 's degree. - I understand that this was my decision at the end-. 
However, I was led to believe that I was going to be able to pay this easily by going into pay as you earn. when I obtained my bachelor 's in XXXX, I was pretty much forced to get the pay as you ear deal due to my low income. my income has not changed in the past 6 years. I make XXXX a year, so my payment has been around 100 dollars. This has increased my loan until covid that now is actually XXXX dollars less in principal than I had in XXXX. 
This has caused many problems over the years to be able to qualify for other loans. lenders don't see the {$100.00} payment, they see the {$29000.00} and the {$450.00} dollar payment I would have if I am not in the pay as you earn program. 
when I purchased my Home years ago, I qualify for less than I should have so I bought a smaller home foreclosed that needed work rather than going with a better and bigger home for my children. 
I now have a much bigger problem, I wish to better myself and move to a bigger city such as the XXXX XXXX XXXX area to find better employment opportunities. With the housing market ( XXXX ), again, I am unable to afford a house that doesn't need work because lenders take into consideration the {$29000.00} or {$450.00} payment. I am unable to help my kids co-sign for vehicles so they can have the means to get employed. 
My situation has caused my kids ( XXXX and XXXX ) to even consider getting an education due to the struggle they see from their mother 's student debt. 
I could have obtained jobs making $ XXXX without a college education, or just with my XXXX XXXX from XXXX XXXX. My degree has been pretty much worthless financially, and I can't get into the TODAY housing market or co-sign for my kids due to the loan. my credit score is XXXX. 
This situation should not happen, it should be illegal. especially for single moms that already struggle to raise kids.
Product: Debt collection

GM Financial XXXX- This account has been paid and closed but the account is misreporting on my credit file and has yet to be updated. I have sent several demand letters to GM Financial and had heard NO response.
Product: Credit card

NOT MY INQUIRY AND HAVE ASKED THEM TO REMOVE IT TWICE ALREADY
Product: Checking or savings account

On XX/XX/XXXX I contacted Regions Bank ( XXXX XXXX ) to report unauthorized activity on my debit card. When I called them I spoke with a woman who tried to tell me I didn't have a valid claim because I had done business with XXXX in the past. I explained to her that I had done business with XXXX once before, in very early XXXX. That transaction was finalized and I have a receipt to prove that no other charges transpired from that. 

I told the banker that I had contacted XXXX and they couldn't verify who's charges those were. She still insisted on filing a merchant claim rather than an unauthorized claim. 

On XX/XX/XXXX I contacted the bank and spoke with an agent who informed me that my claim was closed because I failed to provide proof of receipt. However, this isn't true because I forwarded a copy of the XXXX receipt on XX/XX/XXXX. 

She then informed that there was nothing she could do despite me telling her I had over XXXX dollars in unauthorized charges. I asked to speak with a supervisor. 

The supervisor informed me that they'd have to re-open the claim with the " XXXX XXXX. '' After another week of waiting I've been told that they're unable to pay my claim without calling XXXX while on the phone with the agent. I'm also being told they can't change the claim type to a Visa unauthorized charge, even though the first banker made the mistake. 

Regions Bank is clearly violating Reg E and is doing whatever they can to avoid paying claims. This is not a positive experience for the bank, and I will be taking legal remedies if this isn't fixed soon.
Product: Credit reporting or other personal consumer reports

I had XXXX XXXX XXXX credit cards and sent payment in XXXX envelope with both statement balance and XXXX separate form of payments. They were applying payment to only XXXX account instead of how I sent the monies. I called them XX/XX/year> and then the Customer Service XXXX corrected the errors. Thereafter I paid the credit cards off after the monies were applied accordingly. When this debt consolidation process came out. They changed late fees and interest in hope that creditors were doing debt consolidation and this is a breach of contract which I will be reporting to the Attorney General 's XXXX. They can't change anything doing the contract agreement must not change from the time that you open the credit card and signed your name. They now alleging that I owe them XXXX as a result when they applied payments wrong and then I paid my accounts off and even still continued to pay till this can be resolved. They will not update my credit bureaus and report wrong and has not corrected their error and turned me over to Collections. This in violation to the Fair Credit Reporting Act Sections 503, 504, 505, and the XXXX XXXX. Please note that I have all my documentation to prove that this is not the true and accurate balance
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all three credit bureaus to let them know that I was a victim of identity theft and I have no knowledge of these accounts that are reporting. I have also asked for verification of all accounts which they have failed to do. My identity theft report from the federal trade commission is also attached to this report. 

XXXXXXXX XXXX  XX/XX/XXXX {$8100.00} XXXX XXXX XX/XX/XXXX {$7800.00} XXXX  XX/XX/XXXX {$1500.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX Acct # XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 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. Code 1681a- Definitions ; rules of construction Exclusions-Except as provided in paragraph the term consumer report does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX equifax credit bureau compromised and sold my identity to a mortgage loan lender under someone else identity that identity theft my social personal information and put a debt after equifax fraud ran my credit and abused my social security number and approved a mortgage loan for subspect XXXX XXXX and student loans also XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX all of XXXX XXXX Nevada where two mortgage debts fraud identity has been placed illegal for public someone else mortgage loans thats mother sister related to XXXX XXXX she used my credit identity theft my identity and finances a mortgage loan equifax illegally ran my credit and put her debt loan installment payment XXXX which I'm disputes now off my credit report equifax student loans from XXXX  where my identity again was stolen compromised by e a equifax selling my identity student loan has a different name and different account holder information and all XXXX student loans XXXXwas again placed under my identity XXXX XXXX XXXX mortgage loans please remove all three loans from two mortgage loans taken out against my identity fraudulent I don't own no home my name isn't on mortgage deed nor loan my credit was ran fraudulent under XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX identity theft loan account 5 years now during damage my collectable credit from me buy my own house credit lender mortgage loans for my own purchase I've been blocked by your credit bureau equifax where they have fraudulent charges XXXX installment payments and student loans that I am not account holder off and refuse to remove mortgage loans where my name is not own mortgage deed nor lender but my identity compromised ran by equifax and fraudulent debt collectors collection is own my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information and negative items was reported on my credit report. From that happening, it caused me to not be able to obtain things I need in my life. Since that has happened, I wasn't able to get my VA certificate to purchase a home, because it made my score go down. It put me in a stressful place in my life while being in the military. From the negatove impact on my credit, now I have to figure out a way to get it fixed.
Product: Consumer Loan

The company, titlemax, disclosed that I had an account and debt with them to my mother and my cousin. They are not approved XXXX parties to be disclosing that info to.
Product: Credit reporting or other personal consumer reports

Delate my inquiries of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I XXXX XXXX contacted Discover Credit card company has charge of {$1100.00}. I called in XX/XX/XXXX spoke with associate about fraud being done on the alleged account that was opened in my name they asked to provide my id to identify me I did provide the information then I was sent 2 discover cards in my mailbox I did not request to have cards I requested to remove this account and now they are refusing to take off my credit they did not have my ID file and requested it. I call back in XX/XX/XXXX and still will not remove I never opened this card in my name I have filed a police report Event # XXXX with the metropolitan police depart on this fraud. Please remove this from credit as it is ruining my credit score.
Product: Checking or savings account

I was forced to use branch bank to secure my money even though I was an XXXX  XXXX. They charged me fees to withdraw my money for three years. Sometimes they did not pay me for deliveries I completed. I saw the article about the lawsuit and wanted to know how I could be a part.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am reaching out to request your assistance in updating several accounts on my credit report. I have observed that some information related to these accounts is outdated or incorrect, and I would like to ensure that my report accurately reflects my current financial situation.
Product: Credit card or prepaid card

In XX/XX/2019 while checking out I applied for a Kohl 's credit card and was approved. I received the card 7 days later. Approximately two weeks later I received a letter from Kohl 's that they received a letter from me requesting the account closed because I never opened an account with Kohl 's. I wrote a letter to Kohl 's CEO Mrs XXXX that this was a mistake and this letter was fraudulent. In XX/XX/2019 I recieved a call from Mrs XXXX 's president, XXXX, that she was submitting this to the fraudulent department. I informed her that I was a innocent person of fraud and that my bank account was hacked. I suggested that this may be related to the hacking of my personal information with my bank account. Approximately one week later XXXX called me and said that my letter to Mrs XXXX and the letter requesting my account be closed were too similar and they were canceling my account. I informed her that there are millions of computers exactly like mine and I didn't write the closure letter. I reapplied for a Kohl 's credit card and was denied. I wrote a letter to Chairman CEO, XXXX XXXX on XX/XX/2019 about this matter. He never replied to my letter. I feel I was mistreated and accused of writing a letter to close the account that I never did. I feel they should reopen my credit card account.
Product: Credit reporting or other personal consumer reports

The following companies made unlawful requests on my personal credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquires. 


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

I am XXXX XXXX submitting this complaint against Experian Information Solutions , INC and there is no third party involved. 


As of XXXX, XX/XX/2022 at XXXX EST your company is entering a binding contract ( Attached below ). Also your company is hereby to delete these accounts below as If your company does not delete these account within 3 business days I will seek legal for up to {$3000.00} as your company will be committing aggravated identity theft, violating the XXXX XXXX compliance and FCRA Delete & purge these accounts below : XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Delete all hard inquires & late payments as well
Product: Student loan

During the XXXX Recession, I contacted Navient to decrease my monthly payments to make ends meet. The representatives did not offer a payment plan based on income. Rather, they just offered a forbearance option that started on XX/XX/XXXX. My wife and I took the offer, as we were desperate to stay financially afloat. Each quarter the interest was capitalized ( titled : Capitalized Interest Forbearance Quarterly ). The last forbearance transaction was XX/XX/XXXX. Since then, we made monthly payments with the option for them to allocate the funds between the two consolidated FFELP accounts. With an interest rate of 7.5 %, since XXXX, we have paid nearly {$190000.00} in interest for a total principal of {$140000.00}. 

When my wife started taking courses at a XXXX college ( XXXX ), Navient automatically put our account into deferment without our request or permission. My wife called them to stop and we intend to continue our payments. 

We appreciate CFPB 's efforts in righting these types of wrongs. We hope to receive some reimbursement from the settlement.
Product: Credit reporting or other personal consumer reports

There is an account on my credit report that is reporting wrong information as it regards my payment history. but the credit company will not fix it. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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 inaccurate information and unauthorized inquiries in my personal file : XXXX Inquiry Date XX/XX/2021 XXXX Inquiry Date XX/XX/2021 XXXX, XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE COMPANY NAVIENT ; SHOWS MY ACCOUNT 90 DAYS LATE THERE IS NO 30 DAYS OR 60 DAYS LATE ON MY CREDIT REPORT ON XX/XX/22 MY CREDIT REPORT SHOWS CURRENT BUT ON XX/XX/22 MY CREDIT REPORT SHOWS 90 DAYS LATE ON XX/XX/22 SHOWS NO DATA FOR THIS PERIOD NOTE THIS HAS RUINED MY CREDIT SCORE IT WAS XXXX KNOW IT IS XXXX MY DREAMS OF HOME OWNERSHIP FOR MY FAMILY IS GONE UNTIL THIS ISSUE CAN BE RESOLVED I PRAY SOMEONE WITH A HEART READS THIS AND HELPS ME WITH THIS ISSUE MAY GOD BLESS YOU
Product: Credit reporting or other personal consumer reports

It is important to note that making legal threats without intending to act on them is unlawful. Therefore, be advised that I am fully committed to pursuing legal action against your company. Despite sending numerous requests for you to investigate and remove inaccurate information from my credit profile, you have repeatedly failed to comply. This is my final notice requesting compliance with the FCRA. If you do not conduct a thorough investigation of the disputed accounts, I will file a lawsuit against your company in my county of residence, necessitating your travel here to defend your actions. 

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX