23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I've tried to reach out to Eastern Account systems ( XXXX is original creditor ) multiple times via phone calls and their website, I've left messages on multiple dates most recent being XXXX I've not received anything via mail, and have not been able to contact an actual person to discuss this debt. My social security number was compromised in XXXX of XXXX, and I was not aware of it until XXXX of XXXX when I began to notice collections on my account. 

I've attempted to dispute with all three credit bureau to which XXXX has supposedly verified this debt, but again I've never received communication from this company, phone calls, mail, etc. even after multiple attempts of reaching out to them. The state I live in does not even offer services through XXXX, nor have I ever had an account with them. This is a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of 2020, I discovered that I am a victim of identity theft. I find out that someone unknown to me had used my personal information and good credit to get two credit cards from XXXX/XXXX and XXXX XXXX XXXX. At that time I had filed an FTC report through identhitytheft.gov and sent a dispute letter and copy of identity theft report including copy of my drivers license and notice to furnisher to the all major credit bureaus, also sent the same dispute letters to XXXX and XXXX XXXX XXXX. The dispute letters that was sent to the original creditors stated that these accounts were opened under my name fraudulently. XXXX/XXXX removed the account immediately and XXXX XXXX XXXX did the same thing, About three weeks after through my real-estate agent i find out that XXXX XXXX XXXX has re appeared on my credit report. being annoyed I contacted XXXX  XXXX XXXX FRAUD DEPARTMENT and I asked them about the fraudulent account that re appeared on my credit report and why I was not notified about they put back that account on my credit report and what was their reason they put it back and I was told by their fraud department that they did not have enough evidence and they requested a police report from me. which I did give it to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove 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 information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My good number of applications for bank account and credit cards are being rejected/obstructed due to some so called " credit freeze '' on my account by Experian. When i tried to contact Experian - there is no way one can reach out to a human being. It's a maze of robotic prompts and never ending IVR where no way one can reach out to the human being. 

Recently XXXX denied my credit card application, when i talked to them - i was told it was due to Experian security freeze on my account. 

Experian - don't be so cheap - hire more human beings and fix this problem. Don't put security freeze on your own and at least tell that person with whom you are doing this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX credit card account XXXX XXXX. I should not be authorized on this account I did not give permission for it I don't not have this card and should not be on account!
Product: Checking or savings account

My XXXX  ( XXXX XXXX XXXX ) is now XXXX. He had an account with Chime ( acct # XXXX - Phone # XXXX ). I made contact XX/XX/24 with Chime using his phone number and last four of his social security #. The requested documentation was submitted via email on XX/XX/24. To date we have not had a response from Chime. Numerous calls have been made and all we are told is " you'll receive an email within XXXX  hours ''. After XXXX  weeks of this, we still are getting NOWHERE!!! The account # is XXXX as they will not share any information with us. 

He was found XXXX  and his phone and wallet were not found XXXX XXXX. Therefore his debit card has been missing since his XXXX. We still do have no idea if there were fraudulent charges made on the account because NO ONE WILL RESPOND OR ANSWER ANY QUESTIONS!! 

I am attaching copies of the documentation requested and provided to Chime  as well as screenshots of the email requesting documentation and receipt email of said documentation indicating a response within XXXX hours. To date, this was the last communication with them on this matter. All other phone calls have not yielded a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with Fair Credit Reporting Act this creditor [ XXXX XXXXXXXX XXXX XXXX XXXX XXXX ] has violated my rights under 15 USC 1681 Section 602 states I have a right to privacy 15 USC 1681 Section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666ba creditor may not treat a payment on a credit card account un der and open end consumer credit plan as late for any purpose.
Product: Debt collection

I originally had an account with XXXX XXXX back in XXXX, I filed for chapter XXXX, and that account was included. While the ch XXXX was underway, the original company sold this account to calvary portfolio service. My bankruptcy was successfully discharged as of XXXX/XXXX/XXXX. Recently, last week calvary portfolio began sending me collection letters AGAIN, offering me a settlement which violates my terms of my chapter XXXX case that was completed. I will included my discharge letter, a page from my credit report and the original account information.
Product: Student loan

Prior to Navient splitting off and while dealing with XXXX XXXX I was continually subjected to hard tactics by XXXX XXXX. My loan was put into forbearance multiple times and whenever I would get back on track, of course all kinds of additional fees, charges, penalties, taxes, etc. were tacked on - to the point where my CURRENT balance is almost DOUBLE what I actually borrowed. I 'm paying and have not missed a payment in several years. My lowest balance loans should be paid off later this year. My other loans will take some time. 

The amount I borrowed was {$17000.00}. My outstanding balance is {$34000.00}. 

I realize that I took out a loan and I am responsible for paying back that loan AND I FULLY INTEND TO, but the amount of fees, charges etc., taxes, interest, etc. amounts to nothing more than racketeering and extortion. 

I am currently using IBRP and am happy with what I currently pay - in fact, I 'm paying a little extra when and if I can to chip away at my balance. I 've employed the XXXX XXXX " Debt Snowball '' in paying off my husband 's and now my student loans. I do n't want my payments to change - but I think the total amount owed is extortion. 

Oddly enough, I filed for a Borrower 's Defense in late XXXX hoping to get part of my balance discharged and I have not yet heard the results of that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Do not recognize or no what these inquires are on my consumer report that you are reporting these are fraudulent inquires that i want removed from my consumer report. 

XXXX XXXX XXXX XXXX XX/XX/2021 XXXX/XXXX  XXXX XX/XX/2021
Product: Checking or savings account

XXXX The bank tellers at XXXX XXXX Citibank refuse to give me my debit card refuse to mail it to me and then they started stealing my money and now when I reported the lady in that bank twice to the fraud people that person continue to get my lawyer and other people to help them steal my money Also the bank teller is stealing a lot of people 's money they know I'm XXXX and refused to allow me access to my account because the bank manager on XXXX XXXX is stealing monies doing this
Product: Checking or savings account

I have filed numerous complaints about Wells-Fargo starting with XXXX  complaints ~9 years ago to CFPB complaints ~2 years ago, then OCC complaints ~1.5 years ago. Wells-Fargo shut access to my account repeatedly for no reason during an 8 year period against my instructions. Wells never answers XXXX  complaints, despite ~8 years of filings. What I never expected is the CFPB would refuse 4/5 's of my complaints against Wells, especially when I submitted Wells documents outlining fraudulent practices againt my account, whithout my knowledge nor permission. So, this complaint references many against Wells, but it really specifically is about the CFPB 's failure to take appropriate action, rather than just roll-over and collude with Wells. More specifically, in XX/XX/2019 Wells again shut down my account access, in complete frustration that they AGAIN refused instruction to keep my account open, I sent XXXX XXXX letter stating : 1. charge me costa as needed, 2. wire my account balance, 3. inform me of your progress via email, 4. close my account. I received after months of complaints the single answer ever via the CFPB, they failed me completely on 4 or 5 complaints. As part of the Well 's reply to my CFPB complaint, I received 2 Wells letters, adressed to me in past months but never received, outlining totally fraudulent action taken against my instructions, and without my knowledge nor consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/2021 Re : XX/XX/XXXX FNB XXXX XXXX XXXX XXXX XXXX, NE XXXX Dear Credit Bureau, I recently received a copy of my XXXX  credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. 
I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from credit file because it is making it very difficult for me to acquire credit. I have sent this letter certified mail because I need your promo response to this issue. Please be so kind to forward documentation that you have had the unauthorized inquiry removed. 

Sincerely, XXXX XXXX SSN:XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian regarding the account XXXX XXXX XXXXXXXX, which has been deleted from both XXXX and XXXX. Experian is required to follow suit and remove this account due to the original agreement with the creditor, which stated that the account would be removed once it was paid satisfactorily. 

Additionally, Experian is reporting inaccurate information on this account, including late payments, despite the fact that the account was deferred. I have attached supporting documents, including the request for deferred payments and the proposal of acceptance of collateral in full satisfaction of the debt. 

Upon reviewing the account, the creditor confirmed that the current reporting reflects " XXXX - Account paid in full, was a repossession. '' In accordance with the agreement, they honored the removal once the account was satisfied. 

Experian must update its reporting to reflect this resolution and remove the account within 14 days. Failure to do so constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and will result in further escalation.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following items from my file. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

My account had unauthorized transaction s twice, the first was taken care of. Now USbank card holder service, XXXX XXXX XXXX, XXXX, FL. XXXX, # XXXX. Will not let me get my money out of their bank. I've sent all the required documents verifying myself, yet they keep giving me the run-around by having me repeat the process over and over. Hanging up on me and blatantly lying about my account, my money.
Product: Debt collection

I have sent the collection agency multiple letters. They refused to validate the debt. They never notified me it was added to my credit in XXXX. They refused to correspond at all in this debt. I HAVE DEBT VALIDATION WRITTEN LETTERS XX/XX/XXXX, XXXX XX/XX/XXXX AND XX/XX/XXXX. XXXX removed one acct for {$67.00} but did not remove the other acct for {$270.00} for XXXX. transunion, XXXX  and XXXX  refused to correspond to method verification that they actually reached out to the company and verified the debt. they have exceeded the 30 days under federal law to supply evident this is a valid debt
Product: Credit reporting or other personal consumer reports

I'm writing to formally complain regarding fraudulent accounts that have appeared on my credit report. Despite my efforts to resolve this issue, these unauthorized accounts continue to negatively impact my credit history. 

Details of the Fraudulent Accounts : Account Name : XXXX  Account Number : XXXX Reported By : EQUIFAX Date Opened : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the 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/block 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 are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX  XXXX Balance : {$23000.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Navy Federal Credit Union posted a charged off account to my credit report, without providing me information substantiating their claim. Also i never received any supporting 1099c document after charge off has been posted witch makes this inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18, I requested a copy of my credit report from all three credit bureau and at first glance, I notice an account that wasn't mined. I did some deeper research found out that some individual had somehow got my info and used it to buy a dog at a pet shop, without on permission. I wrote disputes letters to all three of the credit bureau TransUnion, XXXX, and XXXX. they keep writing back account XXXX was verified, I even contacted the finance company that provided the finance to the pet company. they sent me a copy of the original contract, which was fraudulent, they also said the item should be deleted off my credit report. Sent all three bureau proof of the fraudulent contracted, but still, they would not remove the item off my report.
Product: Debt collection

Transworld World Systems Inc. added a collection account on my credit report for XXXX and XXXX in the amount of {$140.00} on XX/XX/year>. I have requested written validation from the collection agency and have not received a response.
Product: Mortgage

Get you hackers off me! This is a violation of my civil rights what they are doing to me! Get them out of my laptop and phones! They have no right to remote in and tie me up making it impossible to function or find work! They are purposely playing a heavy hand in " bleeding '' me out so that I don't come forward with and report the fraud you and all mortgage servicers are comitting on homeowners! 

Get your hackers off me! This is discrimination! They are not doing this to anyone else but me! Get your Hackers off me now!!! 

They have overloaded my XXXX XXXX XXXX online storage space so that it reads I am over storage by XXXX GB when I hardly have anything saved on there! They have disabled my usb drive on my laptop so that I can't save to a thumb drive and transfer files needed to report your fraud! They have disabled my keyboard so that I can't even type on my own laptop which is the only computer that I have! They have deleted every single file I had saved in my XXXX XXXX. I had all my work in there! They have no right to do this! They delete all emails I send out to seek legal representation! This is a violation of my civil rights! 

Get your hackers off me and I will show you all the evidence that more than shows you have a reason to be doing this to me but that doesn't make it right! Get your hackers off me once and for all! I have a right to report fraud that you committed! I have a right to work but they purposely making it so I don't obtain a job! GET YOUR HACKERS OFF ME!!!!!! GET YOUR HACKERS OFF ME NOW!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 RE : DELETIONS TO CREDIT REPORT To Whom It May Concern : Item # XXXX XXXX XXXX # XXXX I received a copy of my credit report and am disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Reason for Deletion This account is inaccurately reporting late payments. The original balance is {$0.00} and over the life of the account the balance remained {$0.00} until the account was It is impossible to have a late payment on an account with a zero balance. 



According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be  reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at address noted below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Social Security # XXXX
Product: Credit card or prepaid card

Discover card member since XXXX. 

On Wednesday, XX/XX/XXXX I received an email from Discover informing me they had closed my account which was in perfect standing with a XXXX  balance. They provided three reasons which included : Inactivity on your account ( s ) % of balances to credit limits is too high on revolving accounts Proportion of loan balances to loan amounts is too high I believe they closed the account due to inactivity since I haven't used the card after paying off a balance transfer last year of approx. {$7000.00}. However, regardless of the reason, I find it completely inhumane that a company would do something like this during these unprecedented times. I shared that when I called the company on Thursday, XX/XX/XXXX to discuss my options. I expressed I found it extremely disturbing they would do such a thing during this pandemic. I also shared that I believed they closed my account to minimize their risk because of the pandemic. What if I needed this lifeline during these times for me or my child? Not to mention how it will impact my credit in the event I need to pursue other options. 

The lady I spoke to was apologetic and said there was nothing the company could do. Their agreement states they can close an account at any time. She suggested I apply again to Discover. I didn't understand this reasoning since they just closed my account. I realized I wasn't going to get a resolution from the call, so thanked her and hung up. That's when I looked up how to file a complaint against Discover.

I want to close by saying that I find it utterly appalling that Discover would treat their customers this way during these times when so many other companies are sending emails to ask how they can help. Is Discover helping other customers? If so, am I being discriminated against?
Product: Credit card or prepaid card

I received my Vanilla gift card for my birthday in XX/XX/2022 in the amount of XXXX When I went to use it I found out there was approximately around XXXX available. I immediately went on the Vanilla site and investigated the charges and to my findings I saw that someone had stolen the card number and made all purchase for equipment in one day. 

I called Vanilla and they told me to fill out paperwork and send it in. I did exactly that 100 days ago. I was informed it can take up to 90 days for them to do their research. I called a few times in between and still no updates. Their customer service just recites words like they are reading a script. 

Then on XX/XX/2022 I received an email stating a new replacement card was sent out and to give it 10 days to receive. The card never came. I emailed them three times and no one replies. Today, XX/XX/2022 I called and gave my claim number XXXX and was informed that this case is still ongoing and no card was ever mailed out. This is the worst customer service and they lie to you. They probably never intend to give me back my gift card and just will continue to drag this out. Plus I have to keep correcting my information every time I call because no one pays attention to the details I submitted. 

At this point I do not trust Vanilla any longer and will never ever get a gift card from them. I just want my money that belongs to me. Please help me. 

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

I appreciate you making the effort to update and delete some of the data on my credit report, but there are still some items that need to be repaired. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX