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

Chex Systems currently has a police report on file from XX/XX/ due to me being a victim of identity theft. The following reported information and inquiries viewed by others on my Chex Systems Consumer Report ID : XXXX are fraudulent and not my reported information or inquiries : XXXX, XX/XX/, {$980.00}, XXXX XXXX, XX/XX/, {$2900.00}, XXXX XXXX, XX/XX/, {$23.00}, XXXX XXXX XXXX XXXX, XX/XX/, XXXX XXXX XXXX, XX/XX/, XXXX XXXX XXXX, XX/XX/, XXXX XXXX XXXX XXXX XXXX, XX/XX/, XXXX XXXX XXXX XXXX, XX/XX/, XXXX XXXX XXXX XXXX XXXX, XX/XX/, 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 XXXX XXXX XXXX, XX/XX/, XXXX XXXX XXXX XXXX XXXX, XX/XX/, XXXX 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 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, XX/XX/, XXXX XXXX XXXX XXXX, XX/XX/, XXXX XXXX XXXX XXXX, XX/XX/, XXXX XXXX XXXX XXXX XXXX, XX/XX/, XXXX XXXX XXXX, XX/XX/, XXXX 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 XXXX, XX/XX/, XXXX XXXX XXXX XXXX, XX/XX/, XXXX XXXX XXXX XXXX, XX/XX/, XXXX XXXX XXXX XXXX XXXX, XX/XX/, XXXX XXXX XXXX, XX/XX/, XXXX XXXX XXXX XXXX, XX/XX/, XXXX XXXX XXXX XXXX, XX/XX/, XXXX XXXX XXXX, XX/XX/, XXXX XXXX XXXX XXXX, XX/XX/, XXXX XXXX XXXX XXXX XX/XX/, XXXX XXXX XXXX XXXX XX/XX/, XXXX XXXX  XXXX XXXX XXXX XX/XX/ XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/ XXXX XXXX XXXX XXXX, XX/XX/ XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/ XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/ XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/ XXXX XXXX XXXX, XX/XX/ XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian received a call ( SEVERAL ) When they answered the call in regard to the access to online reports that are free that has trouble signing in they responded with an email that was time sensitive ( must have been 15 seconds, I was on the phone with them in the process as he commented and disconnected the conversation ) XXXX is the number after all the verification involved. I had reset my password for this free account the week prior do to having trouble with there web site it worked fine. Today they gave me a song and dance on a reset as you can see from there reference number above and told me on the phone that is all they were going to do for now then hung up on me after trying the reset with in seconds it denied me again and every time I called after our first conversation and I give the info IE the social security number the system hangs up on me. So I have hired an attorney to look into the suspicious activity as a preventive action to fraud However, there actions indicate that they are attempting to force consumers into there paid program which defaults the free report from Experian through there credit card services they offer and into a paid or none access.
Product: Checking or savings account

On XX/XX/year>, I made a debit card purchase of {$210.00} to a XXXX  based business that makes custom XXXX XXXX After months of not receiving any information regarding my order and not hearing back from the merchant I realized that I had been scammed. I used XXXX Credit Karma where my tax refund was deposited to make this purchase so I disputed it due to fraud. I stated that I did make the purchase and the amount was correct but I never received the product. It took 2 months for my claim to be denied due to no error being found. I immediately contacted credit karma again provided all the evidence I had, and re-explaining why I made the dispute and how their decision did not correspond with the request. They did not appeal my claim as they stated. Every time i call and ask to speak with a supervisor they tell me I have to wait 72 hours for an appointment and no one ever calls me. The customer service team has acknowledged that I was scammed but will not give me the documents that concluded their decision to deny the claim. I keep being refused and redirected off of word of mouth but I keep requesting documentation and evidence that they will not give me.
Product: Credit reporting or other personal consumer reports

I have identified several items on my credit report that I do not recognize. These accounts appear to have been opened without my authorization, indicating potential identity theft. I previously reported this issue and now request the immediate removal of these unauthorized accounts from my report.

These accounts are causing me significant distress as they misrepresent my credit history and financial management. Resolving this matter has been a lengthy and challenging process. If the issue is not addressed promptly, I am prepared to take legal action to protect my rights and ensure a resolution.

The presence of these erroneous items is severely impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I trust that this matter can be resolved quickly to restore the accuracy of my credit report.

Thank you for your immediate attention to this matter. Please let me know if additional documentation is needed.
Product: Debt collection

I am in the process of purchasing a new home closing this month, XX/XX/2019. I have working diligently to maintain my credit scores. Last month i received a notice through my XXXX account that a new collection was added to my reports. I quickly contacted the company listed to see what this was for. It was a XXXX XXXX collection for an address, even state that I haven't lived in for several years. The company had my previous address and phone number so I was never advised of this debt as required by law. They day I paid the debt, on a recorded line, the representative ensured me that they would removed this collection from my credit report after payment due to me never being advised of the collection. Now, two weeks later when I called to verify when they would be removing the collection from my report, they are saying that they are not going to remove it now. Again they told me it would be deleted on a recorded line the day I made payment! This not being deleted from my credit as they promised to do when i paid the account off is going to make me lose my new home and thousands of dollars I have paid in earnest money deposits!
Product: Bank account or service

Bank of America Closed my account suddenly i dunno why and when i called the closure team no body gives information or the reason why closed the account they are very very rude in answering and i dont have information why they closed the account even they closed my creditcard and took my cash reward which was about 1300 $ and when i asked them to give me that redemption they said its bank policy they take my cash reward, I want to reopen bank account with them as i have many of my buissiness partners on bank of america so its easier in the transaction what can i make to reopen the bank account again.Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I've been disputing addresses, inquiries, balances, accounts, and collections with proof. The credit bureaus have ignored my certified letters, long before covid. Now its almost impossible getting them on the phone. For instance every single time I dispute nonpermissable inquiries the credit bureaus respond simply by saying the inquiries are 'factual ' ... I thought the burden of proof are on the bureaus? I also disputed the inquiries with the creditors ... they just point to the credit bureaus. Lets see what the XXXX XXXX 'XXXX  ' XXXX does ...
Product: Debt collection

I was in the process of purchasing a house for the past 2 years so I have decided not to sign a new contract with my previous landlord XXXX XXXX XXXX But instead was residing the property month to month bases and as a result was paying an extra {$200.00} for each and every month. On XX/XX/year>, I contacted to the management and advised that I would be moving out on XX/XX/year>. However, when I return the keys on XX/XX/year>, the manager indicated that I was moving out on the XXXX of XX/XX/year>. Therefore, you would have to pay the XX/XX/year> rent. Even though I notified her on 3 different occasions. I've enclosed/attached the letter dated XX/XX/year> that I sent to both the collection agent and XXXX.
Product: Credit reporting or other personal consumer reports

am writing yet a 3rd time to formerly dispute and request the removal of unauthorized hard inquiries on my credit report, which I believe were made without permissible purpose and in violation of my rights as a consumer. These inquiries have adversely impacted my credit report and may affect my credit worthiness. I kindly request that you investigate these inquiries and take appropriate action in accordance with the FCRA specifically under U.S.C. 1681b ( PERMISSIBLE PURPOSE ). DETAILS OF INQURIES LISTED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 700XXXX XXXX XXXX. I believe that the inquires made by the aforementioned organizations were made without permissible purpose as outlined in the FCRA specifically 15 U.S.C. 1681b my interactions with the organizations involved clear communication that I authorized a single credit check a specific purpose. The purpose include but are not limited to credit transactions employment background checks and account reviewed by existing creditors. The organizations in question did not have permissible purpose to make multiple hard inquires without my consent as these actions are not authorized by law.
Product: Credit reporting or other personal consumer reports

I submitted a request to update my late payment account for XX/XX/XXXX. Experian did not update the late payment even after receiving the payment history showing that a payment was made on XX/XX/XXXX and deducted from my XXXX XXXX account on XX/XX/XXXX. My due date for XXXX XXXX is the XXXX  of each month. 

I have attached my bank statement and the payment history from XXXX XXXX indicating XX/XX/XXXXXXXX  was not late past 30 days. 

I made two payments in XX/XX/XXXX. Please see page 2 and page 5.

XXXX is still in progress.. however, I am submitting updated information to verify the payment was made for XX/XX/XXXX. 

XXXX was updated to 100 % late payment. 

Experian completed the late dispute on XX/XX/XXXXXXXX  and no changes were made. I have sent Experian a copy of my payment history as requested and still no changes. I am submitting my bank statement as another form of proof.
Product: Debt collection

I was attending XXXX XXXX university online. I was offered a grant of up to {$1800.00} if I wrote a 500 word essay stating why I needed it. 6 months later I received a bill in the mail for XXXX dollars. I was never told I would have to repay the grant at the time I wrote my essay or on the application itself. They are withholding my transcripts from me and have documented this false debt amount on my credit report for {$2000.00}.

*I have the actual application I used when I applied and I also have a picture of the 500 word essay for the grant application I wrote documented in my student online account under my documents showing I did indeed write the essay. *
Product: Debt collection

In late XX/XX/2021 I signed up for at-home water delivery from XXXX, a XXXX XXXX  XXXX XXXX XXXX I received my first delivery and water dispenser. For the next water delivery, the company was delayed. Then delayed again and again. Finally I contacted the company and cancelled my service. This was confirmed by email. When the driver next showed up, he tried to deliver water but I refused the water and asked him to return the dispenser as well. In XXXX and XXXX, XXXX continued to charge me for water that I never received. I contacted the company and was assured that there was no actual charge as my account was closed. Early this year, I XXXX tried to charge me again. This time I contacted the company by phone and was assured that it was just a computer error, I did not owe any money. This XXXX, I received TWO invoices from ASSOCIATED CREDIT SERVICES , INC. informing me that I owed XXXX in the amount of {$46.00} and {$150.00}. I don't know what these amounts represent as I paid for my original water, and never received any product from them again. Please help me to clear up these fraudulent claims with a debt collector.
Product: Credit reporting or other personal consumer reports

Please check the information concerning the experian data breach below in the attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, 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 a account without my written instructions.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees i have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issues aligns with the recent CFPB findings against Navy Federal similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate Account Name : XXXX Account Number:XXXX
Product: Credit card

I always paid my full balance each month with this company, on the XX/XX/year> statement for the amount of {$570.00} due on XX/XX/year>, I sent my payment day ahead of the due date throught my online banking on XX/XX/year> for which I have proof from my bank that it was mailed to their XXXX XXXX XXXX and should have taken no more than 7 days to get there but they processed and credited 3 days past the due date. I do not know ifvthey had problems processing payments on a timely matter or mailed got misdelivered but I did everything on my side to pay on time. From there they charged me late fee of {$30.00}, that I called them and asked them to waived it but their customer service said that " it was not their problem that the mail got there late '', I asked to speak with a supervisor but I was never transfer to one. Since then I continue paying the full balance of the purchases I made for the next month and since they did not wanted to waived that unfair late charge I closed the account. From that day forward they keep adding interest and more late fee to the original {$30.00} late fee adding up to this date to {$190.00}. I sent them letters explaining and requesting the removal of those charges but no result. They already reported, my wife and myself since both are in the account, to the credit bureaus as late payment affecting our credit record that work hard to maintain in good score XXXX. 

That is my complaint to this credit card company and request for them to remove the entire charge that keeps accumulating on fees and interest on original {$30.00} late fee
Product: Credit reporting or other personal consumer reports

Reviewed my credit report on XX/XX/XXXXXXXX  and noticed inquiries that were not authorized by me and addresses as well, that I have not ever resided at. Please see the attached FTC report with all inquiries and addresses. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX Sincerely Yours XXXX XXXX XXXX
Product: Debt collection

I saw a Collections record on my credit report posted on XX/XX/XXXX  by Fair Collections & Out. The agency never sent me a single debt validation letter or intimation regarding this record via any phone call, email or postal mail to my physical address. On enquiring further on XX/XX/, they informed me that they sent 2 letters to an address where I lived more than a year ago, and never called despite having my phone number in their records. They even had my current physical address in records but someone in their system sent the letters to the old address and never checked if these letters were received. Because of their internal issues, I was never given a chance to validate or verify what the debt is about, and a Collections record has been added to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts on my credit report are reporting inaccurately. I have sent in letters to the XXXX, XXXX, & Equifax to dispute, and it just seems like they are not doing their job correctly. Some accounts are reporting 30 days late multiple times. When it was only late once. Accounts that have been paid and agreed to be removed have not been removed from the credit report. I have requested that balances be updated and they still have not been updated.
Product: Credit reporting

I put on a 90-day initial fraud alert on my credit from both XXXX and Equifax , but I received another hard credit hit from XXXX yesterday. I recently had accounts opened with XXXX XXXX and XXXX without my consent. I believe I am a victim of credit fraud, this is why I put the 90-day fraud alert on. However, I am still receiving credit inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dating back to XX/XX/2022, multiple inquires are on my credit report from sources i never applied to/ through. I am unable to contact these companies to get these inquiries removed, and the 3 major credit reporting agencies has requested a fraud letter. No loan was taken from most of these inquires it appears like. Totaling 45 inquires dating back to XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXl XX/XX/2022
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed several errors in billing. The late payments do not match my typical payment history.
Product: Prepaid card

On XX/XX/year>, I purchased an AMEX gift card for {$50.00} XXXX tried using the card online and was unsuccessful, the explanation given on the AMEX gift card transaction website was that the merchant had not asked for the Security Code However, It did ask for it and I filled it out. On XX/XX/year> after having waited and tried completing the purchase multiple times, I called the AMEX XXXX XXXX Customer Service for help. AMEX XXXX XXXX Customer Service stated that their was a problem with the card and offered to close the current one and send a replacement. The card was closed immediately, and I was told it would take XXXX business days for the replacement to arrive. It never came. On XX/XX/year> I called for an update and was told it would actually take XXXX weeks. It still didn't arrive. On XX/XX/year> I called again, this time I was told that the card had been delivered even though I never received it. Customer Service closed that card and said they would send a second replacement card that would also take XXXX weeks to arrive. As of XX/XX/year> it has been XXXX  days since the last call and the the replacement card has not arrived.
Product: Mortgage

I had for the last 12 month been receiving correspondence offering a refi with the company that holds my property mortgage, Nationstar Mortgage. I called to inquire and was told that although I had received the mailing I was not eligible for the offer to refi. Several months passed and I continued to receive additional offers. I called back and was told that I was in fact eligible and was transferred to a licensed specialist whom proceeded to ask me a series of questions. She determined based on my answers that I was eligible. She asked if she could pull me credit report and I told her I first wanted to know what type of rate and product she could offer me. The representative quoted me rates of " low to mid 3 % for the same 30 yr fixed product '' based on me telling her my credit score was over XXXX. I was EXTREMELY clear that I only wanted her to pull my credit if those were in fact the rates she could get me. She assured me they were. After waiting on hold for about 30 minutes for her to pull my credit report she returned to the line to tell me that although my credit score was very high the best rate she could get me was 4.15 % which is essentially what I have now. I asked her what had happened to the " low 3 's '' she was quoting prior and she proceeded to tell me that " it does n't make sense for you to get that rate you 'd have to pay almost {$20000.00} at closing ''. I then asked if those rates she quoted included paying points which not until after the fact did she stutter and hesitate but did confirm that the rates she originally quoted included points. Had i known that information I would have NEVER authorized her to pull my credit. As a result I now have XXXX hard inquires on my credit reports which I have worked extremely hard to get and maintain. I was given misleading and incorrect information. I was baited for the opportunity for her to write a mortgage. I can not have the inquiry reversed and as result my credit score will drop. In this new environment one would think mortgage companies would exercise extreme caution when quoting rates and giving the consumer correct and ACCURATE information. Plain and simple I was lied to and am extremely upset. I left several messages for XXXX XXXX at ( XXXX ) XXXX whom is the representative 's supervisor only to not get a call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Chrysler Capital has illegally repossessed my car. I have received any statements in over a year! I be call and spoke with people and have been making payments every month. I requested a statement of payments and spoke with several people in making my payments. 
In addition Chrysler Capital just allowed me to co sign on another loan through them. They now are saying am 6 moths past due and can not tell me how! The statement I received showed XXXX in late fees.