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

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have filed disputes in regards to the incorrect items on my credit report. It has been well over thirty days and I havent received any investigation results.
Product: Credit card or prepaid card

On XX/XX/XXXX I received a promotion via email stating that I could earn a {$45.00} statement credit if I activate the offer and sign up for a new {$45.00} XXXX XXXX membership from Discover for my Discover It credit card. The offer was stated to expire in XX/XX/XXXX. Sometime between XX/XX/XXXX and XX/XX/XXXX I activated the offer and then made the purchase on XX/XX/XXXX. I reached out the first time on XX/XX/XXXX about when Id receive the statement credit and was told that I would receive it within 3 statement cycles after XX/XX/XXXX. Now its been 6 months and I have yet to receive the {$45.00} statement credit. Today on XX/XX/XXXX I reached out via their messaging platform and called them, and was told that I did not qualify for the promotion but that the reason was unknown. I was told that since the credit was already applied to all accounts that were eligible, they could not manually apply it to my account anymore. I was given no further explanation.
Product: Student loan

I applied for a loan consolidation and XXXX  recertify on XX/XX/XXXX. Part of my loan was consolidated which I don't know why. Then the XXXX went to MOHELA and they have not processed my XXXX ( I'm under the PSLF ) since that date and there saying I owe them {$XXXX} in XX/XX/XXXX, then another {$XXXX} in XX/XX/XXXX, and then over {$XXXX} on XX/XX/XXXX. These amounts are incorrect and they have me on the wrong repayment plan. I was told by a rep when my loans got transferred to Mohela a couple years ago, they said my account will be updated to the XXXX plan that will show a lesser amount like I originally had before switching over to them but due to issues they keep extending the recertification. I originally called on XX/XX/XXXX to see what's going on with my IDR. The rep told me they have it and its still " processing ''. The rep continue to state that if my IDR is still not processed by XX/XX/XXXX, they will put me in an administrative forbearance until it processes. To this date, they have not processed my IDR, did not put me in an administrative forbearance, my loans is still in the " XXXX '' plan, and there telling me I owe a total of {$XXXX} in XXXX. I tried calling them but wait times are nearly XXXX and when I requested a callback, they never called me. I even called the second they opened and still said wait times are XXXX. I'm in tears and don't know what to do, Mohela is not responding to me anymore and I'm really scared because I can't afford those payments. I applied for a forbearance on XX/XX/XXXX so I can try and straighten this out but in my Mohela XXXX it says N/A. 

I got a call back form a rep named XXXX on XX/XX/XXXX I told her my issue and after she confirmed all my information she asked if I can make a payment for the {$XXXX} as I'm XXXX  days delinquent. I told her I cant because I applied for an XXXX in XXXX and I was told I would be placed in a forbearance until it was processed but Mohela never processed it. She said she can transfer me to someone who can help and I also asked to speak with a supervisor. She transferred me and the hold time is XXXX. XXXX in tears, I need help and Mohela is going to ruin my credit for incorrectly putting my account in the Level repayment when they told me in the past that it will be updated to the XXXX but they never did and I reapplied/recertify like I said back in XXXX and there still not processing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for your help in advance. I had a personal loan with XXXX XXXX. XXXX XXXX reported a late payment on XX/XX/XXXX. I submitted an online dispute to Experian on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called Experian Customer Service on XX/XX/XXXX reference case number XXXX. I uploaded a copy of my bank statement to Experian dispute center, report # XXXX to reflect payment was made on XX/XX/XXXX in the amount of {$97.00} along with a copy of my XXXX XXXX XXXX ; reporting my payments current. Experian did not update my credit report.
Product: Debt collection

This debt collector has been making repeated calls every week since XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a few XXXX XXXX  XXXX accounts which are long time closed. Experian reports it as open and inactive which causes me damage. Yet Experian refuses to update it or dispute it.
Product: Credit reporting or other personal consumer reports

My credit file shows hard inquiries from Capital One. I have reached out to Capital One several times about this letting them know that I have not requested any credit from them. I have received letters of confirmation from Capital One stating that they have reached out to the credit bureau agencies to remove the hard inquiries but the credit bureau agencies state that they have not received any updated information from Capital One. As a result of all this my credit score has dropped significantly which has affected my overall financial goals. I am attaching evidence of letters sent to me by Capital One and also my credit file showing the dates of the hard inquiries still not removed. I do not have any financial relationship with Capital One nor have I requested any credit or product from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In two different reports this one account is reporting to different account numbers one XXXX and two XXXX the number of month reviewed are different one is 49 months and the other is 66 months Overall the account is showing a balance of {$16000.00} reporting But the High balances and or high credit XXXX and the other report there is nothing reporting in that sections The payment history shows 4 % for one report and the other report it says that there is a 27 % payment history Also the payment history in 2018 is not even reporting for five months
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX, CA XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX have violated my rights. According to the Fair Credit Reporting Act sections 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have disputed these collections and they continue to claim they belong to me. I have not given any written consent to publish these collections on my report and refuse to take ownership of a bill that I have no knowledge of. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX both these collection agencies are claiming the same account but have conflicting information which makes it confusing to dispute. Please help me with this issue that is detrimental to my credit health. Thank you.
Product: Debt collection

I have disputed several times with certified receipts letters to validate said debt with Javitch Block LLC on dates XX/XX/2023 ; XX/XX/2023 ; XX/XX/2023 - Javitch Block LLC- XXXX XXXX XXXX XXXX XXXX Not In Its Individual Capacity But Solely As Trustee Of XXXX XXXX XXXX XXXX XXXX I have not received ANY correspondence requesting proof of debt validation -certified letters were sent to this debt collector listed above to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore another debt validation letter was sent out on this.The Debt collector listed above still failed to respond accordingly to the Certified Letter sent for verified documentary evidence as requested in the Certified Letters sent. The requesting documents requested : provide Verified copy both front and back of alleged original contract in its entirety including any application accompanying by a commercial affidavit sworn to be true correct and complete, provide how you determine the alleged debt is within the statute of limitations and when the statute of limitations expired for this debt, explained how the added interest fees or other charges expressly authorized by consumer agreements, Itemized showing dates and amounts of each reduction or payments were accrued in your firms procedures, authorized by the consumer agreement and creating the debt or permitted by law, provide proof the alleged debt has not already been satisfied by any means available including but not limited to tax write off or an insurance claim, provide bill of sale assignment verifying that you have purchase evidence of alleged debt, verify understanding that credit card contracts are a series of continuing offers to contract and as such are non transferable. Provide verification and documentation that is valid basis for your form charge off of the alleged debt- for example provide a copy of the written agreement that created the requirement to pay and stipulates your terms for a delinquent account. After reviewing credit report again, several attempts to receive discovery documents. There have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has no authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : XXXX XXXX XXXX. 
Vehicle:XXXX XXXX XXXX XXXX VIN : XXXX Account Type : Lease This account was opened under my name for a car I do not have. No authorization was given, nor was the car leased. I have tried contacting and disputing this wrongful credit line numerous times with the company, yet this has not been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been Speaking To Citizens Bank about a Fraudulent on my Card about 170 Time information and the person that Answer the phone She Just hanged up on me five times and Nobody Care of taking actions and they just. Ended up moving on and I have. Toldeed them the Fraudulent and I will like to be Filed claim and they have hanged up on me
Product: Debt collection

Received a call from a 3rd party whom stated a law office reached out stating I owed a little over {$600.00}, gave full details on my account as well as partial of my social security number. I then reached out to the original debt company, Kay Jewlers, and was informed that I do NOT have any outstanding debt with the company. They directed me to " XXXX '' account managing, whom also showed a closed account with a XXXX  balance. I spoke with the law office, whom is not only calling several times, giving my information and personal details to a 3rd party person not involved, and leaving me voicemails for totally different named people. XXXX XXXX XXXX  XXXX XXXX ( XXXX, NY ) stated " you can either pay now, or I will go ahead and procced with a default judgement on you Friday Morning. ''
Product: Credit reporting or other personal consumer reports

I submitted a lot of complaints regarding my concern about the removal of the Bankruptcy that I have on my credit report. XXXX clearly stated that they could not locate the following Bankruptcy records on my file. Bankruptcy XXXX XXXX. XXXX If XXXX can't locate it on my file. It means that these records are not mine and a result of FRAUD/ERROR and it needs to be remove on my credit report immediately, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID, Proof of Address with my most recent XXXXSSNCard.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX  data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

I XXXX XXXX entered into a consumer credit transaction with Nissan Motor Acceptance Co. on XX/XX/2017. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge is suppose to include insurance, but Nissan Motor Acceptance Co. made me purchase insurance separately. These are clear violations of my consumers right which makes this contract void. This caused me a lot of stress on me with negative remarks on my consumer report and I need this resolved ASAP.
Product: Debt collection

I received a phone call from a debt collector on a Friday afternoon. I explained to him that my XXXX union was notified and they were going to pay for the services. He then proceeded to ask why wouldn't I pay the bill with a credit card and i can get reimbursed from the insurance company. I explained to him that the information was already being processed. The claim was paid for I don't owe any copays or coinsurance. He stated why wouldn't I pay for the services. You have excellent credit, why wouldn't I just pay. This man harrassed me while I was at the supermarket with both my kids. I asked him to give me until Monday because I did not have the proof in front of me. I called both the credit company and XXXX  office. I was told they were going to retrieve the account from the collection company. I received a call last Friday telling me that the account was placed on hold until they completed this investigation. I called Dr. XXXX XXXX office spoke to XXXX who stated to me that I am not responsible for this bill. I am very upset that I was harrassed for this bill and it was put on my credit report. When I have been cooperating with them in trying to resolve the issue.
Product: Credit reporting

Trans Union has reinserted information regarding my car loan with XXXX. XX/XX/2016 it was reported as deleted but XX/XX/XXXX/XX/XX/XXXX XXXX XXXX reported that Trans Union had reinserted the negative information. In addition, it also appears that the information that Trans Union is reporting is inaccurate suggesting that I am 3 months behind on my car note. Consequently, it is impossible to be more than 30 days behind with XXXX XXXX because at that point that tag your name and put it on some collection list.
Product: Vehicle loan or lease

On XX/XX/XXXX I was searching the web for auto loan refinance rates. I found appealing rates on XXXX. The advertised rates were 2.24 % for a 60 months loan based on a XXXX and with an excellent credit of 720+ Considering that I had a XXXX credit score and my current loan rate is 3.87 % I decided to submit an application on XX/XX/XXXX with one of the XXXX partners listed there, XXXX  . 
Once they ran my credit they offer me a 2.99 % and let me know that those rates advertised are old from the begging of the year or so and are lo longer available. I did all the research and read all fine print and disclosure before applying and did not find any information or notation on the expiration for this rates. There should be some type of regulation that forces XXXX to update their rates and to not advertise false rates. XXXX and what theyre offering
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , inc . ) Due to inadequate customer services and unfair practices which, violate the Consumer Financial Protection Act. ( CFPB ). Specifically, Cash App failed to time and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Futhermore, their dispute resolution was unfair and deceptive, as they didnt comply with error resolution requirements under the Electric Fund Transfer Act ( EFTA ) and Regulations E. These actions have cost significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

I lost my job on XX/XX/XXXX and got a new job on XX/XX/XXXX, I had to file Chapter XXXX on XXXX/XXXX because the impact from the unemployment was too much, The bankruptcy included one month of mortgage, I am two months behind and keep trying to catch up. I filed a modification today just to catch, my attorney said to wait until the bankruptcy is confirmed well in the mean time Ocwen sent me to an attorney for post petition fees ( attached ). In XXXX I lost my job and was unemployed for several months and filed for forbearance with Ocwen, it was a disgrace and a XXXX show, it took 8 months to get approved, I involved the FHA and I filed with CFPB. I did not have the energy to deal with Ocwen this time but I will not allow them to take my home, I am in the process of Bankruptcy XXXX and just sent them a modification. I would have filed sooner but the Chapter XXXX is dragging out because of objections related to Ocwen and XXXX taxes, everything is in place now but now I received this letter relating to my mortgage, I pay every month on my mortgage and I AM NOT 3 MONTHS BEHIND so I do not know what Ocwen is doing. I am filing this complaint because they are the most vial company around. XXXX XXXX
Product: Checking or savings account

Dear Consumer Financial Protection Bureau : This letter is a complaint about a mistaken account close down and two suspended checks issue with Chase bank.I deposit two checks from my former employer on XX/XX/2022. After reviewing by Chase, they said that they can not verify if the check is valid and they decided to close my account on XX/XX/2022. I have contacted Chase from XX/XX/2022 until now about the verification of my check and trying to save my account from closing down. And I did the following to give my proof to Chase : 1. I have contacted Chase customer service stating that I have direct deposit from the same employer to the same checking account for over 1 year. And the maker name of the check is exactly the same as it shows on my direct deposit statement. I left the company on XXXX, XXXX  and they decided to give me my last salary through check and there is no reason to suspended it. 
2. I was told by the Chase customer service that I need document that proof I was working for the company and my employer should visit the branch with me to provide it. So I have contact my former employer and since the financial department of my former employer is located in XXXX XXXX  and I am located in XXXX XXXX, me and the payroll manager visited Chase branch at the same time on XX/XX/2022 but different location which is also a solution provided by Chase. The payroll manager provided the proof that I was an employer of the company which was what Chase ask for. 
3. After I provided what Chase said they need, Chase still closed my account on XX/XX/2022 with no email or phone call notice. And they did not give me any feedback about the document that I submitted before. After they closed my account, they kept the check money and never funded to me. And I have contacted my former employer, they never funded the money back to them either. 
4. On XX/XX/2022, I visited Chase branch with my former manger who is also located in XXXX XXXX trying to solve this check issue. After a long conversation with Chase, they said that there is nothing they can do about it. They do not want any proof from me and they can not fund me the money and they can not fund the money back to my former employer. 
I am dissatisfied with Chase because of my suspended checks and my account close-down.I have already attempted to resolve this problem by making lots of phone calls, providing document they asked and visiting the branch in person with my former employer. But Chase did not solve the problem and they didnt even give me any notice or reasons why it is still suspended. Whats worse, they refused to funded to money to me or to my former employer who is the check maker. I am very disappointed and it caused me a lot of troubles.