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

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

About XX/XX/XXXX when I checked my rewards points on my capital one credit card I noticed over XXXX points were missing. So I called capitol one. They asked me if I moved my points to my XXXX account because the points were moved there. I told them I did not. I told them someone must have stolen them Next they told me this occurred on XX/XX/XXXX when I was in the air enroute to XXXX. They said theyd have to close my account and send me a new card within XXXX business days, and since I was vacationing in XXXX and this was the only card I had with me, they suggested I call back when I returned home to the US. They would note my account though. Next I called on XX/XX/XXXX and asked again when I would get my points back. I was told it wasnt XXXX business days yet. They also closed this card and sent me a new one. Further they asked me to check my transactions history on XXXX, which I did, and I didnt find anything irregular. On XX/XX/XXXX I called them again and was told the fraud investigation would now take 90 days to possibly get the points back! Next on XX/XX/XXXX I sent an email to XXXX XXXX, the CEO of Capital one and XXXX XXXX, the XXXX of the company and explained my situation. I have not yet heard back from either of them. I hope you can help me. Than you.
Product: Payday loan, title loan, personal loan, or advance loan

We paid the account on XXXX XXXX and have confirmation. They never updated the credit companies. Weve disputed XXXX times and they still keep saying we owe them, but we have proof that we have in fact paid them,
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is showing my   XXXX   XXXX   student loan that was opened on   XX/XX/XXXX   as currently past due. This information is incorrect. The account is now current. The account did become 30 days late in    XX/XX/XXXX   , but payment was made and a current status should have been reported  for  XX/XX/XXXX ,  XX/XX/XXXX , and now  XX/XX/XXXX . T he account is still current. The account has been reflectin g 30-59 d ays late sinc e  XX/XX/XXXX . A dditionally, there has not been any updated reporting since   XX/XX/XXXX  . This inaccurate reporting by Equifax is affecting my credit worthiness. I am requesting an IMMEDIATE status update back to current as the account is now current. Additionally, I am requesting that account payment history be updated f or  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX . The statu s has been accurately updated by   XXXX    and    XXXX  . Equifax has neglected to update the status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had to use the services of XXXX and their baiid machines. After I recieved notice from the state of Illinois that I could have the device removed I contacted XXXX and I set up the device removal and I paid my administrative closing fee to close my account. Later thay evening I found someone who did mobile removal of devices and I paid them to come remove the device and opted to use them instead of waiting another 2 or 3 days until my removal was scheduled. Nothing states that I couldn't do this and was ready to get the device removed. The guy said I would be receiving an email with my reciept and a return label to send them back their device. This was on XX/XX/XXXX. The same day I paid my closing fee. I hadn't heard anything by XX/XX/XXXX so I decided I'd log into to their website and message them and ask about my reciept for removal and the return label. An agent of theirs closed the conversation without even sending any response, this was after I recieved the notification the message had been read. I then sent the message again and got an automated response stating no agents were available so I left another message stating someone needed to call or contact me about the return label and reciept. I didn't ever hear anything until I recieved a notice of an almost XXXX dollar. They originally claimed this was for using their services and they were somehow unaware the device had been removed from my vehicle. This is all after I settled my last bill and closed my account. They kept billing me for services after I closed an account and hadn't been using their services. Upon them learning that my device has vern removed they stated the charge was for using an alternative removal method and then said it's because of a non returned equipment. They just sent me the return box a few weeks ago but have told them I want the bill wiped out because I'm not paying for their own negligence and failure to send the label i asked about and got ignored and was comepletely disregarded vby one of their agents. I am.not paying them a XXXX  because they have already done their fair share of shady practices to extort extra money put of me and I have proof of this. They would schedule my maintenance o. XXXX when they know the shop I used was closed on XXXX. I even reached put to the shop the following Monday and they never recieved any work order for my vehicle so the company was lying XXXX  atkeast 2 occasions saying I was scheduled on Fridays and when I'd go the shop would be closed. That resulted in me getting locked out of my vehicle which then requires a lockout fee of around XXXX bucks to be able to drive again. I caught then redhadned by asking the shop about work orders before talking to XXXX. I provided proof of this experience for my disputes as well and XXXX is failing to see my account was closed on XX/XX/XXXX when I paid my closing fee and had the device removed. They also fail to acknowledge the shady practices used by the company to extort additional fees and that the charges all came after I had closed my account and was no longer a customer using their services.
Product: Credit reporting or other personal consumer reports

Misleading borrowers about income-driven repayment plans : XXXX failed to adequately notify borrowers who enrolled in income-driven repayment plans about the requirement to annually recertify their enrollment. Borrowers were not properly notified that submitting an incorrect or incomplete application to recertify their enrollment could lead to an increase in their monthly payments and delay loan cancellation. 
Botching payment processing : Many borrowers had multiple student loans with varying interest rates and monthly payments. When borrowers made payments meant to cover multiple loans, XXXX misallocated payments. XXXX also misapplied payments made to a particular loan. These errors resulted in late fees, interest accrual, and negative credit reporting. 
Harming the credit of disabled borrowers, including severely injured veterans : XXXX tarnished the credit reports of borrowers who had received a discharge on their federal student loans due to a XXXX XXXX XXXX XXXXXXXX. 
Deceiving borrowers about XXXX requirements for cosigner release : XXXX made representations to private loan borrowers that if they paid down their loans in a certain way, they could apply for their cosigners to be released. But XXXX did not honor those representations for some borrowers. 
Misleading borrowers about improving credit scores and the consequences of federal student loan rehabilitation : For federal student loan borrowers whose loans went into default, XXXX debt collection arm promised credit reporting relief to borrowers if they completed a rehabilitation program. XXXX failed to deliver on all of the promised relief. 

All these things has attributed to a harmful credit score and missed opportunities.
Product: Student loan

This complaint involves XXXX XXXX XXXX. 

Approximately in XX/XX/2015 I noticed an advertisement from XXXX XXXX XXXX to consolidate my student loans and place me on an income-driven repayment plan for three payments of {$200.00} for initial processing and subsequent monthly payments of {$39.00} to maintain my paper work. I thought the {$39.00} a month was going towards my student loans but what actually happened was they placed my loans in forbearance. I did not realize this until I received an email from XXXX XXXX stating that my loans were delinquent and that I had accrued nearly {$500.00} in interest over a two year period in which I hadn't made a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've noticed some hard inquiries on my XXXX credit report that i did not authorized. 1 ) the first company is " XXXX XXXX '' since XX/XX/2022. I contact the company and they say I do not have an account with them so they couldn't do anything about it so I opened a report with the FTC on the matter which I will attach below. 
2 ) the second company is " XXXX XXXX '' since XX/XX/2022. I contact the company and they say I do not have an account with them so they couldn't do anything about it so I opened a report with the FTC on the matter which I will attach below.
Product: Checking or savings account

This is a re-dispute for complaint XXXX XXXX where XXXX responded that my identity theft came back as verified. XXXX needs to produce the way that my account was verified. I also requested the XXXX address to the fraudulent check that was deposited into my account and for the signature on the check to be analyzed because it does not belong to me. XXXX was unable to produce that. Also I requested that Survaillance videos be released of whoever withdrew the funds from my account to prove my innocence, XXXX stated that there shouldnt be an issue because it was withdrew from XXXX  ATMs within their network. XXXX has yet to do so! To conclude ChexSystems and XXXX is still violating law 605B of the federal Fair credit reporting act by not removing this from my consumer report due to identity theft. To conclude this needs to be removed from my consumer report if they can not validate the inaccuracies that they are reporting!
Product: Debt collection

Receiving SPOOFED PHONE CALLS phone calls from an American Express offshore debt collector, XXXX XXXX XXXX. They are calling multiple times per day. I have attempted to speak with them and settle with them and have told them they can call me within the limits of what the law allows. However, they are calling me multiple times per day, harrassing me, even after I speak with them. They are masking/hiding their true numbers intentionally, calling from spoofed numbers appearing to be in my area or in a nearby city. I have spoken to them multiple times telling them I have lost my employment due to COVID and they are welcome to call me each day if they want to, but they are calling, 3, 4, 6 or more times per day, attempting to offer settlements and are changing their phone numbers repeatedly so that it appears I am getting calls from what I think may be job recruiters, etc. They become angry when I ask for an offer to settle in writing and one representative told me that they are not based in the United States and are not subject to the laws of the United States. 

The callers are in and from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed UNAUTHORIZED INQUIRIES on my credit report. Someone else applied with my name. According to the FCRA, these unverified and UNAUTHORIZED inquiries most be remove. 

CREDIT BUREAU NAME : EQUIFAX XXXX XXXX, XXXX XXXX  ( DUPLICATE ACCOUNT ) XXXX. 

XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX.
Product: Debt collection

Mariner Finance charged off debt in 2023 to XXXX XXXX XXXX. Account has since been settled with XXXX  XXXX XXXX  and has two payments remaining. Current balance is {$550.00}. 

Mariner finance is still reporting full balance of loan with a status of charged off
Product: Checking or savings account

They was charge me to much on my overdraft and could never tell me why it was that much they never will say why
Product: Debt collection

Hello. We were unaware that there was a debt with Cbe group as we never received a bill. Now it has shown up on the report. We have since made a payment on the account to avoid collections, but I am not even sure we really owe this bill as we cancelled services with them last year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform the Credit Bureaus that I was a victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX  XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$800.00} XXXX XXXX XXXX  XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$370.00XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX  XXXX Balance Owed : {$30000.00} XXXX XXXX  XXXX Balance Owed : {$24000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

Requested deferral of my FHA home mortgage due to being placed on greatly reduced hours by my employer. Caliber Home Loans services my FHA mortgage. Their only proposal for a deferral was to defer three months payments but then the entire amount deferred becomes due and payable in the fourth month. Under the CARES Act, I thought the deferral could be longer and the total amount deferred would be added to the end of your mortgage. Many friends are getting this result. XXXX XXXX   proposal amounts to a very short term loan which does not help. I will not have that money in three months. I am a XXXX XXXX at a XXXX XXXX that had to basically shut down and have filed for unemployment. My husband is a XXXX XXXX. Our income has been cut significantly with the greatly reduced hours and we need mortgage assistance. We are first time home buyers as well.
Product: Debt collection

To whom it may concern. 
McCarthy, Burgess & Wolff keep sending collection letters saying that XXXX XXXX owes money to XXXX XXXX XXXX. 
XXXX XXXX has had payroll deductions for workers compensation insurance since XXXX, never used XXXX XXXX XXXX. The account number does not match either. They have been sending these letters since XXXX. We would like this to stop if they can't provide correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I sent a certified validation letter, with signature requested, to XXXX XXXX XXXX, XXXX to verify an alleged debt they claim I owe them, in the amount of XXXX. I have no contract with this company. They sent a letter back, dated XXXX XXXX, 2017, without the requested validation of alleged debt and retaliated against me by reporting a collections to the credit bureaus within the past week and made XXXX inquiries on my report without my consent. On the bottom of this letter it clearly states in bold letters, " THIS COMMUNICATION IS FROM A DEBT COLLECTOR BUT IS NOT AN ATTEMPT TO COLLECT A DEBT ''. They are damaging my credit report causing it to drop while I 'm working to correct it and deforming my character. Because of this drop, I am unable to get a mortgage or rent an apartment without good credit and my family deserves a home, otherwise we 'll be homeless soon. I 'm requesting this unproven & alleged debt to be removed from my credit reports and all attempts to collect this amount and communication to stop.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as a result, fraudulent accounts and unauthorized inquiries have been added to my credit report. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following items from my credit file. 
Fraudulent Accounts XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I informed EQUIFAX I have become a victim of identity theft. EQUIFAX continues to report fraudulent accounts on my consumer report which has caused me stress, anxiety and defamation of character.
Product: Mortgage

On XXXX XXXX XXXX XXXX I received a modification package from Selene Finance that was very aggressive. They raised my interest from 4 % to 8 % and raised my payments from {$1600.00} to {$3200.00}. Considering that I found this very XXXX  I submitted an appeal on XX/XX/XXXX. I disagree with this decision because I find it to be very aggressive and disproportionate. My intention is to comply with my commitment but I need a more reasonable agreement. I would like to enter a negotiation to resolve the current situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed 3 negative accounts on my credit report XX/XX/XXXX on XX/XX/2020 and received the results back report # XXXX 2 out the 3 accounts XX/XX/XXXX # XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX outcome is listed as DELETED. I have an updated credit report which shows they have been removed .However it still shows on my credit report when a merchant runs my report. I called experian spoke with a XXXX who was very rude and he confirmed the items are still showing on his end!! I gave him the dispute report number he refused to make the correct changes Ive contacted XX/XX/XXXX their verification is inaccurate I cant get my report from them, both trans union and XXXX are reporting inaccurate information because of it my credit score is inaccurate and I have been declined credit!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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Product: Bank account or service

XX/XX/XXXX, an illegally anonymous individual at US Bank falsfied claims about a single {$330.00} check normally endorsed and deposited, processed 1x per the customer who provided copies of both sides of the check, and involved a business protected by the debt collections laws as a strategy the bank staff are not familiar with, who were served with a Cease and Desist almost the same day, and went on for {$15000.00} in damage infliction with mail fraud, wire fraud, accounting fraud, bank fraud, blocking the use of their names, sending anonymous letters from other states US Bank offices with return addresses in IL, and moving on to falsified claims about US mail addresses for another 5 months after this was shut down on CFPB, as persons continuing to claim that they can resurrect their not nuisance filing at this level of malevolent damage infliction meeting IL criteria for XXXX by the bank employee ( s ) personally, demanding their victims " live in the poverty '' like a XXXX. The bank sent out completely different false claims to every mediator, and openly conducted this dispute they refused to drop formally even via CFPB when they did for the criminal purpose of stalking the victim and inflicting severe egregious damage infliction while hiding names and sending junk from out of state calculating they can get away with it. It is necessary to forcibly expose them and shut them down now XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

XXXX will not allow my XXXX account connect to my on-line XXXX checking account.
Product: Payday loan, title loan, personal loan, or advance loan

I was a customer of Onemain financial and saw the ruling regarding the fees/charges they were billing without our knowledge.