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

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX CARD Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX record XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$450.00} written off. 
XXXX XXXX XXXX negative Date opened XX/XX/XXXX XXXX {$12000.00} XXXX Account charged off. {$19000.00} written off. {$12000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX negative Date opened XX/XX/XXXX XXXX {$0.00} Status Closed. {$23000.00} written off. 
XXXX  XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX type XXXX complex XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Resident XXXX Single XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Single XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Single family XXXX LOT XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident XXXX XXXX family XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type Single XXXX
Product: Student loan

Mohela is the new provider for public loan forgivenss loans. I consolidated my loans, and before the consolidation, 90 % of my loans were under the XXXX plan. After consolidating, MOHELA dropped my plan to the " level '' plan and is currently charging daily interest. Had they left my loans in the XXXX plan, I would not have an interest rate added. They told me, that my request to be put back on the XXXX plan was placed on XX/XX/XXXX, and the interest rate was being charged starting XX/XX/XXXX. They said, after approving my request, the interest amount would stay in my account. I asked why, and they said that there is nothing they could do. I think this is an illegal practice to collect money for themselves, after having taken over as the provider for public service loans. The reason why I have qualified for this loan, is my 21 years in the military. I feel robbed and taken advantage of, and I hope that the XXXX  will take care of this complaint
Product: Credit card or prepaid card

My child supports acct was hacked. The card is in my possession but someone was able to use it today first at XXXX store for {$5.00} followed by 2 seperate charges at XXXX  XXXX  XXXX both in the amount of {$99.00} and the last charge that emptied my acct was to XXXX XXXX  # XXXX. After speaking with XXXX XXXX and in store managment they refused to reverce my pending charges. I called XXXX  and was unable to reach anyone on the phone as it keep me in the automated sytems. I reported my card stolen immediatly through the automated systems and have called about 12 times and on hold from anywhere from 5 mins to 2 hours. I was trying to get to them before the charges where no longer pending but unsuccessfully. I cam across this site in a message board with many others that have this same problem with  XXXX cards. Hope you can help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Federal Student Loan company sent a letter confirming that they would update my current status and I wanted to submit the new letter to Equifax.
Product: Credit card

I noticed on my credit report I had a from Kohls which was open XXXX and the amount is XXXX. I sent a letter to kohls asking to send me proof of debt, debt validation letter and payment history. Reason being I never lived at the address they have on file and under 15 USC 1681b companies are not allowed to report inaccurate information on consumers credit. Under 15 USC 1692g the information that is being reported is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Do not recognize charges on all of the following accounts Arkansas XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  All of the companies listed above failed to assist me with these accounts after many attempts to bring attention to this matter as a result all negative information is inaccurate and unrecognizable, I have no knowledge of those charges.
Product: Debt collection

Portfolio Recovery continues to spam call me twice a day, 7 days a week from various phone numbers ranging across the US. Primarily Texas, XXXX, Tennessee and Arizona. I tried settling a debt with them and they refused to work with me on a plan and accepting my counter offer to settle. I was ready to settle during that call and since then they have continued to call me every, single, day. I've blocked about 50 phone numbers so far and it keeps piling up. I don't want to call them back because it will restart the " collection clock '' when I already made an attempt to pay the debt. 

Some of the most recent ones here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was wrongly accused of owing debt that was not mine. The debt was meant to pay off an Electric bill for a house I never resident in. I never even made an account for the Electric company before.
Product: Credit reporting, credit repair services, or other personal consumer reports

account takeover fraud, ID theft, etc previously resolved with local police, FTC & iC3 per links below XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX? XXXXXXXX  please update to XXXX balance, never late, no charge off or delete line immediately so that correct history can be attached to new profile created for safety ( pending this institution 's update for over 12 months )
Product: Credit reporting, credit repair services, 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. 

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 XXXXXXXX has violated my rights. 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 an 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: Debt collection

I stayed at XXXX XXXX XXXX, which are pre pay weekly, monthly and extended stay place here in XXXX XXXX nevada back in XXXX for lets say maybe 1-2 months. I did not renew the new lease i movee my belongings and turned in the keys and left it was short term wgike apparrment hunting. 
Fast forward to XXXX XXXX XXXX, roughly 2-3 weeks ago i get a random call out of the blue from some Sentry Recovery and Collections claiming and i quote that i owe a debt of {$950.00} to them on behalf of XXXX XXXX. I ask how and for what. They refused to state what ot is for, refused to give me any requestd proof and documentation i demanded, they told me to contact XXXXXXXX XXXX which i did who then said its in collections already amd that they cant provide me with any proof or documentation and to contact the collections agence which now ive been contacting corporate and collections. Both refuse to provide me with and documentation of an alleged debt tgat would have been over 1 1/2-2 years ago and now they all of a sudden in XXXX claim i owed them yet can not nor will not say for what. I did not damage any property i moved out and checked out and returned the keys to the office. The collections agency also stated " I eas tresspassed and escorted off the property by metro '' to which i respinded that is definately not me as i have never been tresspassed from anywhere ever in my life and if XXXX escorted me iff the property surely tgere woyod be record of what ever incident they claim took place for me to be escorted XXXX the property, to which u demanded proof and documetation of that, which they agaun refuse to provide and one XXXX  me to the other then the other semds me back to one, and i still have yet to see hear read sniff anything regarding this false debt. I then last week get a credit alert thrpugj my XXXX  and XXXX XXXX XXXX and my XXXX  credit scote dropped XXXX points, and my XXXX score dropped XXXX points due to they reporting this XXXX credit bureaus. My scores were XXXX, and XXXX, now within 2 weeks of them randomly calling my phone out of the blue to which i also demanded how they got my personal information and social security without my consent permission, my knowledge, in violation of my XXXX and XXXX amendment protections in violation of due process.they hung up on XXXX XXXX 1-2 to weeks later i get the credit alert. I have never heard of these people. I dont owe anything to anyone. And they fraudulently and criminally submitted this to tue credit bureaus and that has caused IMMENSE HARM AND DAMAGE TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

" XXXX is the only official site explicitly directed by Federal law... '' XXXX XXXX XXXX sent me a FALSE ( if not fraudulent ) copy of my Equifax Credit Report today XXXX XXXX, 2017.
According to the representation of XXXX, my Equifax Credit Report says my Debt-to-Credit Ratio on my mortgage is 89 %.
I contacted Equifax. Equifax. The agent states that they do not have such a ratio figure in their system, that they do not have information on my " credit limit '' on my mortgage, and therefore they CAN NOT and COULD NOT report such a Ratio to XXXX. ( My mortgager says the ratio is 21.5 % ) Equifax has sent me an official Credit Report to prove to my satisfaction that such a figure was not and COULD NOT be computed from the data they provided to XXXX.
Because I was sent a credit report under Equifax 's letterhead, I have to believe that XXXX data may be fraudulently representing Equifax data.
( FYI- it took 49 minutes to reach an Equifax agent by phone )
Product: Debt collection

XX/XX/2021 Called the MRS BPO at XXXX and advised that I received letter # XXXX. I advised them that the debt was included in chapter XXXX bankruptcy. I advised her that it is against the law to contact me or try to resale the debt. The rep asked my name so I gave it to her. She then said she should I had 2 last names and I advised my name again and the name shown on the letter. She then hung up and when I called back didn't answer.
Product: Debt collection

Credit bureau Collection Associates XXXX XXXX reported misinformation on a bill. 
The actual amount, that were paid, the actual amount of the bill, etc.
Product: Debt collection

I received a phone call from National Credit Systems , Inc. on XX/XX/2022. However, when I asked for the representative to verify the debt, they had hung up on me. The phone call lasted for 1-minute. See attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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

company failed to comply with my dispute " It has come to my attention that my personal informationincluding but not limited to account numbers, phone numbers, and other sensitive personal detailshas been improperly shared with XXXX, XXXX, and XXXX without my explicit consent. I did not authorize these disclosures, nor did I receive the legally required notice or opportunity to opt out. Additionally, you do not possess a signed document or any other form of consent from me permitting the release of my personal information to these or any other third parties, which constitutes a direct violation of federal law. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeing that the credit bureaus are reporting incorrect information on my credit report in the form of 2 incorrect addresses that should not be on my credit report. I have tried on several occasions to get them to remove this information and to correct it but they refuse to do so. 

XXXX XXXX XXXX XXXX in XXXX, FL. ****IS NOT MY CURRENT ADDRESS PLEASE REMOVE IT FROM MY CREDIT REPORTS IMMEDIATELY****** XXXX XXXX XXXX, XXXX XXXX SC XXXX ****IS NOT MY CURRENT ADDRESS PLEASE REMOVE IT FROM MY CREDIT REPORTS IMMEDIATELY****** You are only to report CURRENT Up to date information and you are not doing so. 

Employment Status should be reported as :XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX**Please update the correct wording to reflect what I do professionally******
Product: Checking or savings account

CHASE BANK HAS ENGAGED IN A PATTERN OF CONDUCT THAT IS HARMFUL TO ITS CUSTOMERS AND AMERICAN CONSUMERS. CHASE IS ENGAGED IN AN ILLEGAL SYSTEMATIC SCHEME IN PREMATURELY CLOSING CERTAIN CONSUMER ACCOUNTS. I AM A VICTIM AS WELL AS A WITNESS OF CHASE BANK BEHAVIOR. 

CHASE HAS AUTOMATICALLY CLOSED ACCOUNTS ( DUE TO FRAUDULENT ACTIVITY OR UNAUTHORIZED ACTIVITY ) WITHOUT THE INVESTIGATION AS REQUIRED BY LAW. THEY THEN REPORT THIS NEGATIVE INFORMATION TO A CRA XXXX XXXX XXXX XXXX WHICH THEY OWN IN PART. 

CHASE DID NOT NOTIFY CONSUMERS OF THE CLOSURE AND DO NOT PROVIDE ANSWERS TO CONSUMERS QUESTION AND ONLY PROVIDE THE PERFUNCTORY STATEMENT THAT IT WAS AN INTERNAL AND/OR A BUSINESS DECISION, THEY ALSO DO NOT PERFORM THE INVESTIGATION THUS SAVING MONEY AND VIOLATING CONSUMER PROTECTION LAW. 

CHASE HAS FAILED TO PROPERLY REVIEW OR PROCESS FRAUDULENT ACTIVITY OR FRAUDULENT CLAIMS BEFORE THEY CLOSE THE ACCOUNT. 

CHASE HAS FABRICATED INFORMATION SUCH AS FILING FRAUDULENT SARS REPORTS SO THE PRETEXT WOULD APPEAR MORE PLAUSIBLE. 

CHASE BANK IS ALSO VIOLATING THE SECURITIES EXCHANGE COMMISSIONS GUIDELINES AND CHASE BANK CHARTER. 

CHASE BANK HAS ENGAGED IN SELF ENRICHMENT. CHASE BANK HAS VIOLATED CALIFORNIA BANKING LAW. CHASE BANK HAS VIOLATED CONSUMER PROTECTION LAWS AND IS ENGAGED IN CAUSING HARM TO CONSUMERS. 

THIS BEHAVIOR IS RECENT AND ALSO DEMONSTRATED BY XXXX XXXX XXXX. CFPB AND OTHER REGULATORY AGENCIES ARE INVESTIGATING THE XXXX BEHAVIOR. I ENCOURAGE CFPB TO DO THE SAME WITH CHASE. I HAVE ATTACHED THE RECENT PRESS RELEASE FROM CFPB REGARDING THE XXXX INVESTIGATION. 

IF ONE BANK IS DOING THIS TO CONSUMERS THEN ALL BANKS ARE ENGAGED IN THIS BEHAVIOR OF HARM TOWARDS CONSUMERS.
Product: Credit reporting or other personal consumer reports

I

n 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. List of Unauthorized Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I check my credit report and there is an account from Wakefield & Associates reporting as a collection account. The account number is XXXX for {$1300.00}. This does not belong to me. I have been a victim of identity theft. This company has not contacted me or sent me any kind of communications so that I could inform them that the account does not belong to me. They just posted it on my credit report.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN GOING BACK AND FORTH WITH THE CREDIT BUREAU TO GET INQUIRIES, OLD ACCOUNTS, CLOSED ACCOUNTS AND OLD ADDRESSES REMOVED FROM MY CREDIT REPORT. IT HAS BEEN VERY STRESSFUL AND OVERWHELMING AND TO MENTION VERY COSTLY. AS PER THE FAIR CREDIT REPORTING ACT SECTION 611 ( 15 U.S.C 1681I ) THEY XXXX  DAYS TO INVESTIGATE AND REMOVE SAID ITEMS.
Product: Checking or savings account

In XX/XX/2019, Citizens Bank was notified by me that I desired no charges to be approved via the debit card if funds are not available. On XX/XX/2019, I discovered that not only did Citizens approve a charge that would cause an overdraft, but they also then charged an overdraft fee even knowing they were well informed not to approve charges that would cause overdrafts. Upon requesting them to rectify their error and refund the overdraft fee, Citizens Bank has refused.
Product: Credit card or prepaid card

CHIME HAS CLOSED MY ACCOUNT UNEXPECTEDLY MY LIFE SAVING OF XXXX $ I have rent I have kids I have bills I cant buy food cant get gas for work nothing all of my money was on chime including my work deposit and no one has given me a update about when I should receive my closure check I dont know why it was closed unexpectedly please help I really cant believe this happening
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian & XXXX  over 6 times in regards to fraudulent accounts listed on my credit report. Every single time it comes back as verified. This is my 3rd time filing a complaint with the CFPB & nothing has helped! Experian and XXXX are verifying these accounts without any proof! I have even reached out to the creditors demanding that they show me proof that these accounts belong to me, & they have NOT provided me anything personally that deems the account belong to me. So how is Experian & XXXX  verifying it as accurate??
Product: Credit card or prepaid card

I am being charged XXXX per transaction for ANY XXXX transaction under my Capital One card ending in XXXX. I tried to discuss waiving this fee and they flatly said they would not discuss waiving it and that it is considered a cash advance. I have used XXXX for years with different cards both bank and credit cards with never more than a XXXX or small convenience fee but to have XXXX taken for transactions even when the transaction itself is under XXXX is completely predatory. I want to fight this legally but am not certain what are the next steps to take. I cancelled my card today. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance wit the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, 15 U.S.C 1681 section 602 A. states I have the right to Privacy! 5 U.S.C1681 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 items 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